LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,742
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,409
−HK$2,710/mo
Today · 4.125%
HK$91,119
baseline
▲ 0.50% · 4.625%
HK$96,663
+HK$5,544/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,238/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,387
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,946
−HK$2,595/mo
Today · 4.125%
HK$100,541
baseline
▲ 0.50% · 4.625%
HK$105,841
+HK$5,300/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,082/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,891
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,091
−HK$3,252/mo
Today · 4.125%
HK$109,343
baseline
▲ 0.50% · 4.625%
HK$115,996
+HK$6,653/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,686/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,465
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,535
−HK$3,114/mo
Today · 4.125%
HK$120,649
baseline
▲ 0.50% · 4.625%
HK$127,009
+HK$6,360/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,298/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,039
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$123,773
−HK$3,794/mo
Today · 4.125%
HK$127,567
baseline
▲ 0.50% · 4.625%
HK$135,329
+HK$7,762/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$255,134/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,542
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,124
−HK$3,633/mo
Today · 4.125%
HK$140,757
baseline
▲ 0.50% · 4.625%
HK$148,177
+HK$7,420/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$281,514/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,336
−HK$9,678/mo
▼ 0.25% · 3.875%
HK$159,137
−HK$4,877/mo
Today · 4.125%
HK$164,014
baseline
▲ 0.50% · 4.625%
HK$173,994
+HK$9,980/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$328,028/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,697
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$176,302
−HK$4,672/mo
Today · 4.125%
HK$180,974
baseline
▲ 0.50% · 4.625%
HK$190,513
+HK$9,539/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$361,948/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,087 · Scale 2, in force from 26 Feb 2026)