LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,773
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,441
−HK$2,711/mo
Today · 4.125%
HK$91,152
baseline
▲ 0.50% · 4.625%
HK$96,698
+HK$5,546/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$182,304/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,422
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,981
−HK$2,596/mo
Today · 4.125%
HK$100,577
baseline
▲ 0.50% · 4.625%
HK$105,879
+HK$5,302/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$201,154/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,928
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,130
−HK$3,252/mo
Today · 4.125%
HK$109,382
baseline
▲ 0.50% · 4.625%
HK$116,038
+HK$6,656/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$218,764/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,506
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,577
−HK$3,116/mo
Today · 4.125%
HK$120,693
baseline
▲ 0.50% · 4.625%
HK$127,055
+HK$6,362/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$241,386/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,598,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,083
−HK$7,530/mo
▼ 0.25% · 3.875%
HK$123,818
−HK$3,795/mo
Today · 4.125%
HK$127,613
baseline
▲ 0.50% · 4.625%
HK$135,378
+HK$7,765/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$255,226/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,591
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$137,173
−HK$3,635/mo
Today · 4.125%
HK$140,808
baseline
▲ 0.50% · 4.625%
HK$148,230
+HK$7,422/mo
Deposit HK$11.28M · loan HK$26.33M · min. income ≈ HK$281,616/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,392
−HK$9,682/mo
▼ 0.25% · 3.875%
HK$159,194
−HK$4,880/mo
Today · 4.125%
HK$164,074
baseline
▲ 0.50% · 4.625%
HK$174,057
+HK$9,983/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$328,148/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,759
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$176,366
−HK$4,673/mo
Today · 4.125%
HK$181,039
baseline
▲ 0.50% · 4.625%
HK$190,582
+HK$9,543/mo
Deposit HK$3.76M · loan HK$33.85M · min. income ≈ HK$362,078/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,664 · Scale 2, in force from 26 Feb 2026)