LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,752
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,420
−HK$2,710/mo
Today · 4.125%
HK$91,130
baseline
▲ 0.50% · 4.625%
HK$96,675
+HK$5,545/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,260/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,399
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,957
−HK$2,596/mo
Today · 4.125%
HK$100,553
baseline
▲ 0.50% · 4.625%
HK$105,853
+HK$5,300/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,106/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,903
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,104
−HK$3,252/mo
Today · 4.125%
HK$109,356
baseline
▲ 0.50% · 4.625%
HK$116,010
+HK$6,654/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,712/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,478
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,549
−HK$3,114/mo
Today · 4.125%
HK$120,663
baseline
▲ 0.50% · 4.625%
HK$127,024
+HK$6,361/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,326/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,053
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$123,788
−HK$3,794/mo
Today · 4.125%
HK$127,582
baseline
▲ 0.50% · 4.625%
HK$135,345
+HK$7,763/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$255,164/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,558
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$137,140
−HK$3,634/mo
Today · 4.125%
HK$140,774
baseline
▲ 0.50% · 4.625%
HK$148,194
+HK$7,420/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$281,548/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,354
−HK$9,680/mo
▼ 0.25% · 3.875%
HK$159,156
−HK$4,878/mo
Today · 4.125%
HK$164,034
baseline
▲ 0.50% · 4.625%
HK$174,015
+HK$9,981/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$328,068/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,718
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$176,323
−HK$4,672/mo
Today · 4.125%
HK$180,995
baseline
▲ 0.50% · 4.625%
HK$190,535
+HK$9,540/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$361,990/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,275 · Scale 2, in force from 26 Feb 2026)