LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,844
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,514
−HK$2,713/mo
Today · 4.125%
HK$91,227
baseline
▲ 0.50% · 4.625%
HK$96,778
+HK$5,551/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,454/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,501
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,062
−HK$2,598/mo
Today · 4.125%
HK$100,660
baseline
▲ 0.50% · 4.625%
HK$105,966
+HK$5,306/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,320/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,599,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,013
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,217
−HK$3,256/mo
Today · 4.125%
HK$109,473
baseline
▲ 0.50% · 4.625%
HK$116,134
+HK$6,661/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$218,946/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,601
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,674
−HK$3,118/mo
Today · 4.125%
HK$120,792
baseline
▲ 0.50% · 4.625%
HK$127,160
+HK$6,368/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$241,584/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,599,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,182
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,920
−HK$3,798/mo
Today · 4.125%
HK$127,718
baseline
▲ 0.50% · 4.625%
HK$135,490
+HK$7,772/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$255,436/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,701
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$137,287
−HK$3,638/mo
Today · 4.125%
HK$140,925
baseline
▲ 0.50% · 4.625%
HK$148,353
+HK$7,428/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$281,850/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,519
−HK$9,690/mo
▼ 0.25% · 3.875%
HK$159,326
−HK$4,883/mo
Today · 4.125%
HK$164,209
baseline
▲ 0.50% · 4.625%
HK$174,201
+HK$9,992/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$328,418/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,901
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$176,512
−HK$4,677/mo
Today · 4.125%
HK$181,189
baseline
▲ 0.50% · 4.625%
HK$190,739
+HK$9,550/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$362,378/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,986 · Scale 2, in force from 26 Feb 2026)