LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,888
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,529
−HK$2,682/mo
Today · 4.125%
HK$90,211
baseline
▲ 0.50% · 4.625%
HK$95,700
+HK$5,489/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$180,422/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,437
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,970
−HK$2,569/mo
Today · 4.125%
HK$99,539
baseline
▲ 0.50% · 4.625%
HK$104,786
+HK$5,247/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$199,078/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,866
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,034
−HK$3,220/mo
Today · 4.125%
HK$108,254
baseline
▲ 0.50% · 4.625%
HK$114,841
+HK$6,587/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$216,508/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,325
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,364
−HK$3,083/mo
Today · 4.125%
HK$119,447
baseline
▲ 0.50% · 4.625%
HK$125,743
+HK$6,296/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$238,894/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,843
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$122,540
−HK$3,756/mo
Today · 4.125%
HK$126,296
baseline
▲ 0.50% · 4.625%
HK$133,981
+HK$7,685/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$252,592/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,212
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,758
−HK$3,597/mo
Today · 4.125%
HK$139,355
baseline
▲ 0.50% · 4.625%
HK$146,701
+HK$7,346/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$278,710/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,799
−HK$9,581/mo
▼ 0.25% · 3.875%
HK$157,551
−HK$4,829/mo
Today · 4.125%
HK$162,380
baseline
▲ 0.50% · 4.625%
HK$172,261
+HK$9,881/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$324,760/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,582,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,987
−HK$9,184/mo
▼ 0.25% · 3.875%
HK$174,546
−HK$4,625/mo
Today · 4.125%
HK$179,171
baseline
▲ 0.50% · 4.625%
HK$188,615
+HK$9,444/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$358,342/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,582,167 · Scale 2, in force from 26 Feb 2026)