LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,868
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$87,507
−HK$2,683/mo
Today · 4.125%
HK$90,190
baseline
▲ 0.50% · 4.625%
HK$95,677
+HK$5,487/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$180,380/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,581,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,414
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,946
−HK$2,569/mo
Today · 4.125%
HK$99,515
baseline
▲ 0.50% · 4.625%
HK$104,761
+HK$5,246/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$199,030/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,581,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,841
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$105,009
−HK$3,218/mo
Today · 4.125%
HK$108,227
baseline
▲ 0.50% · 4.625%
HK$114,813
+HK$6,586/mo
Deposit HK$14.89M · loan HK$22.33M · min. income ≈ HK$216,454/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,581,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,297
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,336
−HK$3,082/mo
Today · 4.125%
HK$119,418
baseline
▲ 0.50% · 4.625%
HK$125,713
+HK$6,295/mo
Deposit HK$14.89M · loan HK$22.33M · min. income ≈ HK$238,836/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,581,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,815
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$122,510
−HK$3,755/mo
Today · 4.125%
HK$126,265
baseline
▲ 0.50% · 4.625%
HK$133,948
+HK$7,683/mo
Deposit HK$11.17M · loan HK$26.05M · min. income ≈ HK$252,530/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,581,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,180
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$135,725
−HK$3,596/mo
Today · 4.125%
HK$139,321
baseline
▲ 0.50% · 4.625%
HK$146,665
+HK$7,344/mo
Deposit HK$11.17M · loan HK$26.05M · min. income ≈ HK$278,642/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,581,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,762
−HK$9,579/mo
▼ 0.25% · 3.875%
HK$157,513
−HK$4,828/mo
Today · 4.125%
HK$162,341
baseline
▲ 0.50% · 4.625%
HK$172,219
+HK$9,878/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$324,682/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,946
−HK$9,181/mo
▼ 0.25% · 3.875%
HK$174,504
−HK$4,623/mo
Today · 4.125%
HK$179,127
baseline
▲ 0.50% · 4.625%
HK$188,569
+HK$9,442/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$358,254/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,784 · Scale 2, in force from 26 Feb 2026)