LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,887
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,527
−HK$2,683/mo
Today · 4.125%
HK$90,210
baseline
▲ 0.50% · 4.625%
HK$95,699
+HK$5,489/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$180,420/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,436
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,969
−HK$2,569/mo
Today · 4.125%
HK$99,538
baseline
▲ 0.50% · 4.625%
HK$104,785
+HK$5,247/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$199,076/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,864
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,033
−HK$3,219/mo
Today · 4.125%
HK$108,252
baseline
▲ 0.50% · 4.625%
HK$114,839
+HK$6,587/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$216,504/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,323
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,362
−HK$3,084/mo
Today · 4.125%
HK$119,446
baseline
▲ 0.50% · 4.625%
HK$125,742
+HK$6,296/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$238,892/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,842
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$122,538
−HK$3,756/mo
Today · 4.125%
HK$126,294
baseline
▲ 0.50% · 4.625%
HK$133,979
+HK$7,685/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$252,588/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,210
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,756
−HK$3,597/mo
Today · 4.125%
HK$139,353
baseline
▲ 0.50% · 4.625%
HK$146,699
+HK$7,346/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$278,706/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,797
−HK$9,581/mo
▼ 0.25% · 3.875%
HK$157,549
−HK$4,829/mo
Today · 4.125%
HK$162,378
baseline
▲ 0.50% · 4.625%
HK$172,259
+HK$9,881/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$324,756/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,582,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,985
−HK$9,183/mo
▼ 0.25% · 3.875%
HK$174,544
−HK$4,624/mo
Today · 4.125%
HK$179,168
baseline
▲ 0.50% · 4.625%
HK$188,613
+HK$9,445/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$358,336/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,582,146 · Scale 2, in force from 26 Feb 2026)