LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,815
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,484
−HK$2,712/mo
Today · 4.125%
HK$91,196
baseline
▲ 0.50% · 4.625%
HK$96,745
+HK$5,549/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,392/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,468
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,029
−HK$2,597/mo
Today · 4.125%
HK$100,626
baseline
▲ 0.50% · 4.625%
HK$105,930
+HK$5,304/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,252/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,978
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,181
−HK$3,254/mo
Today · 4.125%
HK$109,435
baseline
▲ 0.50% · 4.625%
HK$116,094
+HK$6,659/mo
Deposit HK$15.05M · loan HK$22.58M · min. income ≈ HK$218,870/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,562
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,634
−HK$3,117/mo
Today · 4.125%
HK$120,751
baseline
▲ 0.50% · 4.625%
HK$127,116
+HK$6,365/mo
Deposit HK$15.05M · loan HK$22.58M · min. income ≈ HK$241,502/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,141
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$123,878
−HK$3,797/mo
Today · 4.125%
HK$127,675
baseline
▲ 0.50% · 4.625%
HK$135,443
+HK$7,768/mo
Deposit HK$11.29M · loan HK$26.34M · min. income ≈ HK$255,350/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,655
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$137,240
−HK$3,636/mo
Today · 4.125%
HK$140,876
baseline
▲ 0.50% · 4.625%
HK$148,302
+HK$7,426/mo
Deposit HK$11.29M · loan HK$26.34M · min. income ≈ HK$281,752/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,467
−HK$9,686/mo
▼ 0.25% · 3.875%
HK$159,271
−HK$4,882/mo
Today · 4.125%
HK$164,153
baseline
▲ 0.50% · 4.625%
HK$174,141
+HK$9,988/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$328,306/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,843
−HK$9,284/mo
▼ 0.25% · 3.875%
HK$176,451
−HK$4,676/mo
Today · 4.125%
HK$181,127
baseline
▲ 0.50% · 4.625%
HK$190,674
+HK$9,547/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$362,254/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,439 · Scale 2, in force from 26 Feb 2026)