LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,764
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,431
−HK$2,711/mo
Today · 4.125%
HK$91,142
baseline
▲ 0.50% · 4.625%
HK$96,687
+HK$5,545/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$182,284/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,411
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,970
−HK$2,596/mo
Today · 4.125%
HK$100,566
baseline
▲ 0.50% · 4.625%
HK$105,867
+HK$5,301/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$201,132/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,598,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,916
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,118
−HK$3,252/mo
Today · 4.125%
HK$109,370
baseline
▲ 0.50% · 4.625%
HK$116,025
+HK$6,655/mo
Deposit HK$15.04M · loan HK$22.57M · min. income ≈ HK$218,740/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,493
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$117,564
−HK$3,115/mo
Today · 4.125%
HK$120,679
baseline
▲ 0.50% · 4.625%
HK$127,040
+HK$6,361/mo
Deposit HK$15.04M · loan HK$22.57M · min. income ≈ HK$241,358/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,069
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$123,804
−HK$3,794/mo
Today · 4.125%
HK$127,598
baseline
▲ 0.50% · 4.625%
HK$135,362
+HK$7,764/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$255,196/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,576
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$137,158
−HK$3,634/mo
Today · 4.125%
HK$140,792
baseline
▲ 0.50% · 4.625%
HK$148,214
+HK$7,422/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$281,584/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,374
−HK$9,681/mo
▼ 0.25% · 3.875%
HK$159,176
−HK$4,879/mo
Today · 4.125%
HK$164,055
baseline
▲ 0.50% · 4.625%
HK$174,037
+HK$9,982/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$328,110/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,740
−HK$9,279/mo
▼ 0.25% · 3.875%
HK$176,346
−HK$4,673/mo
Today · 4.125%
HK$181,019
baseline
▲ 0.50% · 4.625%
HK$190,560
+HK$9,541/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$362,038/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,484 · Scale 2, in force from 26 Feb 2026)