LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,824
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,494
−HK$2,712/mo
Today · 4.125%
HK$91,206
baseline
▲ 0.50% · 4.625%
HK$96,756
+HK$5,550/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,412/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,479
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,039
−HK$2,598/mo
Today · 4.125%
HK$100,637
baseline
▲ 0.50% · 4.625%
HK$105,942
+HK$5,305/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,274/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,989
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,193
−HK$3,255/mo
Today · 4.125%
HK$109,448
baseline
▲ 0.50% · 4.625%
HK$116,107
+HK$6,659/mo
Deposit HK$15.06M · loan HK$22.58M · min. income ≈ HK$218,896/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,574
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,647
−HK$3,118/mo
Today · 4.125%
HK$120,765
baseline
▲ 0.50% · 4.625%
HK$127,130
+HK$6,365/mo
Deposit HK$15.06M · loan HK$22.58M · min. income ≈ HK$241,530/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,154
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$123,892
−HK$3,797/mo
Today · 4.125%
HK$127,689
baseline
▲ 0.50% · 4.625%
HK$135,458
+HK$7,769/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$255,378/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,670
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$137,255
−HK$3,637/mo
Today · 4.125%
HK$140,892
baseline
▲ 0.50% · 4.625%
HK$148,319
+HK$7,427/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$281,784/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,484
−HK$9,687/mo
▼ 0.25% · 3.875%
HK$159,289
−HK$4,882/mo
Today · 4.125%
HK$164,171
baseline
▲ 0.50% · 4.625%
HK$174,161
+HK$9,990/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$328,342/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,862
−HK$9,285/mo
▼ 0.25% · 3.875%
HK$176,471
−HK$4,676/mo
Today · 4.125%
HK$181,147
baseline
▲ 0.50% · 4.625%
HK$190,695
+HK$9,548/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$362,294/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,617 · Scale 2, in force from 26 Feb 2026)