LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,771
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,439
−HK$2,711/mo
Today · 4.125%
HK$91,150
baseline
▲ 0.50% · 4.625%
HK$96,696
+HK$5,546/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$182,300/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,419
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,978
−HK$2,596/mo
Today · 4.125%
HK$100,574
baseline
▲ 0.50% · 4.625%
HK$105,876
+HK$5,302/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$201,148/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,925
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,127
−HK$3,252/mo
Today · 4.125%
HK$109,379
baseline
▲ 0.50% · 4.625%
HK$116,035
+HK$6,656/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$218,758/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,503
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$117,574
−HK$3,115/mo
Today · 4.125%
HK$120,689
baseline
▲ 0.50% · 4.625%
HK$127,051
+HK$6,362/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$241,378/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,079
−HK$7,530/mo
▼ 0.25% · 3.875%
HK$123,814
−HK$3,795/mo
Today · 4.125%
HK$127,609
baseline
▲ 0.50% · 4.625%
HK$135,374
+HK$7,765/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$255,218/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,587
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$137,170
−HK$3,634/mo
Today · 4.125%
HK$140,804
baseline
▲ 0.50% · 4.625%
HK$148,226
+HK$7,422/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$281,608/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,388
−HK$9,681/mo
▼ 0.25% · 3.875%
HK$159,190
−HK$4,879/mo
Today · 4.125%
HK$164,069
baseline
▲ 0.50% · 4.625%
HK$174,052
+HK$9,983/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$328,138/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,755
−HK$9,279/mo
▼ 0.25% · 3.875%
HK$176,361
−HK$4,673/mo
Today · 4.125%
HK$181,034
baseline
▲ 0.50% · 4.625%
HK$190,577
+HK$9,543/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$362,068/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,621 · Scale 2, in force from 26 Feb 2026)