LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,741
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,408
−HK$2,710/mo
Today · 4.125%
HK$91,118
baseline
▲ 0.50% · 4.625%
HK$96,662
+HK$5,544/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,236/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,386
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,944
−HK$2,595/mo
Today · 4.125%
HK$100,539
baseline
▲ 0.50% · 4.625%
HK$105,839
+HK$5,300/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,078/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,889
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,090
−HK$3,251/mo
Today · 4.125%
HK$109,341
baseline
▲ 0.50% · 4.625%
HK$115,994
+HK$6,653/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,682/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,463
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,533
−HK$3,114/mo
Today · 4.125%
HK$120,647
baseline
▲ 0.50% · 4.625%
HK$127,007
+HK$6,360/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,294/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,037
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$123,771
−HK$3,794/mo
Today · 4.125%
HK$127,565
baseline
▲ 0.50% · 4.625%
HK$135,327
+HK$7,762/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$255,130/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,540
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,122
−HK$3,633/mo
Today · 4.125%
HK$140,755
baseline
▲ 0.50% · 4.625%
HK$148,175
+HK$7,420/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$281,510/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,334
−HK$9,678/mo
▼ 0.25% · 3.875%
HK$159,134
−HK$4,878/mo
Today · 4.125%
HK$164,012
baseline
▲ 0.50% · 4.625%
HK$173,992
+HK$9,980/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$328,024/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,695
−HK$9,276/mo
▼ 0.25% · 3.875%
HK$176,300
−HK$4,671/mo
Today · 4.125%
HK$180,971
baseline
▲ 0.50% · 4.625%
HK$190,510
+HK$9,539/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$361,942/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,063 · Scale 2, in force from 26 Feb 2026)