LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,783
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,452
−HK$2,711/mo
Today · 4.125%
HK$91,163
baseline
▲ 0.50% · 4.625%
HK$96,710
+HK$5,547/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$182,326/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,433
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,993
−HK$2,596/mo
Today · 4.125%
HK$100,589
baseline
▲ 0.50% · 4.625%
HK$105,891
+HK$5,302/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$201,178/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,940
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,142
−HK$3,253/mo
Today · 4.125%
HK$109,395
baseline
▲ 0.50% · 4.625%
HK$116,052
+HK$6,657/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$218,790/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,598,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,520
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,591
−HK$3,116/mo
Today · 4.125%
HK$120,707
baseline
▲ 0.50% · 4.625%
HK$127,070
+HK$6,363/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$241,414/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,598,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,097
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$123,833
−HK$3,795/mo
Today · 4.125%
HK$127,628
baseline
▲ 0.50% · 4.625%
HK$135,394
+HK$7,766/mo
Deposit HK$11.29M · loan HK$26.33M · min. income ≈ HK$255,256/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,607
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$137,190
−HK$3,635/mo
Today · 4.125%
HK$140,825
baseline
▲ 0.50% · 4.625%
HK$148,248
+HK$7,423/mo
Deposit HK$11.29M · loan HK$26.33M · min. income ≈ HK$281,650/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,410
−HK$9,683/mo
▼ 0.25% · 3.875%
HK$159,213
−HK$4,880/mo
Today · 4.125%
HK$164,093
baseline
▲ 0.50% · 4.625%
HK$174,078
+HK$9,985/mo
Deposit HK$3.76M · loan HK$33.86M · min. income ≈ HK$328,186/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,780
−HK$9,281/mo
▼ 0.25% · 3.875%
HK$176,387
−HK$4,674/mo
Today · 4.125%
HK$181,061
baseline
▲ 0.50% · 4.625%
HK$190,605
+HK$9,544/mo
Deposit HK$3.76M · loan HK$33.86M · min. income ≈ HK$362,122/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,855 · Scale 2, in force from 26 Feb 2026)