LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,780
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,449
−HK$2,711/mo
Today · 4.125%
HK$91,160
baseline
▲ 0.50% · 4.625%
HK$96,707
+HK$5,547/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$182,320/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,430
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,989
−HK$2,597/mo
Today · 4.125%
HK$100,586
baseline
▲ 0.50% · 4.625%
HK$105,888
+HK$5,302/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$201,172/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,937
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,139
−HK$3,253/mo
Today · 4.125%
HK$109,392
baseline
▲ 0.50% · 4.625%
HK$116,048
+HK$6,656/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$218,784/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,598,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,516
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,587
−HK$3,116/mo
Today · 4.125%
HK$120,703
baseline
▲ 0.50% · 4.625%
HK$127,065
+HK$6,362/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$241,406/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,598,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,093
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$123,828
−HK$3,796/mo
Today · 4.125%
HK$127,624
baseline
▲ 0.50% · 4.625%
HK$135,389
+HK$7,765/mo
Deposit HK$11.29M · loan HK$26.33M · min. income ≈ HK$255,248/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,602
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$137,185
−HK$3,635/mo
Today · 4.125%
HK$140,820
baseline
▲ 0.50% · 4.625%
HK$148,243
+HK$7,423/mo
Deposit HK$11.29M · loan HK$26.33M · min. income ≈ HK$281,640/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,405
−HK$9,682/mo
▼ 0.25% · 3.875%
HK$159,208
−HK$4,879/mo
Today · 4.125%
HK$164,087
baseline
▲ 0.50% · 4.625%
HK$174,072
+HK$9,985/mo
Deposit HK$3.76M · loan HK$33.86M · min. income ≈ HK$328,174/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,774
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$176,381
−HK$4,673/mo
Today · 4.125%
HK$181,054
baseline
▲ 0.50% · 4.625%
HK$190,598
+HK$9,544/mo
Deposit HK$3.76M · loan HK$33.86M · min. income ≈ HK$362,108/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,799 · Scale 2, in force from 26 Feb 2026)