LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,890
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,530
−HK$2,683/mo
Today · 4.125%
HK$90,213
baseline
▲ 0.50% · 4.625%
HK$95,702
+HK$5,489/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$180,426/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,439
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,972
−HK$2,569/mo
Today · 4.125%
HK$99,541
baseline
▲ 0.50% · 4.625%
HK$104,788
+HK$5,247/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$199,082/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,868
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,036
−HK$3,220/mo
Today · 4.125%
HK$108,256
baseline
▲ 0.50% · 4.625%
HK$114,843
+HK$6,587/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$216,512/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,327
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,366
−HK$3,083/mo
Today · 4.125%
HK$119,449
baseline
▲ 0.50% · 4.625%
HK$125,746
+HK$6,297/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$238,898/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,846
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$122,542
−HK$3,756/mo
Today · 4.125%
HK$126,298
baseline
▲ 0.50% · 4.625%
HK$133,983
+HK$7,685/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$252,596/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,214
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$135,760
−HK$3,598/mo
Today · 4.125%
HK$139,358
baseline
▲ 0.50% · 4.625%
HK$146,703
+HK$7,345/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$278,716/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,801
−HK$9,582/mo
▼ 0.25% · 3.875%
HK$157,554
−HK$4,829/mo
Today · 4.125%
HK$162,383
baseline
▲ 0.50% · 4.625%
HK$172,264
+HK$9,881/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$324,766/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,990
−HK$9,184/mo
▼ 0.25% · 3.875%
HK$174,549
−HK$4,625/mo
Today · 4.125%
HK$179,174
baseline
▲ 0.50% · 4.625%
HK$188,619
+HK$9,445/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$358,348/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,195 · Scale 2, in force from 26 Feb 2026)