LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,918
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,560
−HK$2,683/mo
Today · 4.125%
HK$90,243
baseline
▲ 0.50% · 4.625%
HK$95,734
+HK$5,491/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,486/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,471
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$97,004
−HK$2,570/mo
Today · 4.125%
HK$99,574
baseline
▲ 0.50% · 4.625%
HK$104,823
+HK$5,249/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,148/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,902
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,071
−HK$3,221/mo
Today · 4.125%
HK$108,292
baseline
▲ 0.50% · 4.625%
HK$114,881
+HK$6,589/mo
Deposit HK$14.90M · loan HK$22.34M · min. income ≈ HK$216,584/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,365
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,405
−HK$3,084/mo
Today · 4.125%
HK$119,489
baseline
▲ 0.50% · 4.625%
HK$125,788
+HK$6,299/mo
Deposit HK$14.90M · loan HK$22.34M · min. income ≈ HK$238,978/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,885
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$122,583
−HK$3,758/mo
Today · 4.125%
HK$126,341
baseline
▲ 0.50% · 4.625%
HK$134,028
+HK$7,687/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$252,682/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,259
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$135,806
−HK$3,598/mo
Today · 4.125%
HK$139,404
baseline
▲ 0.50% · 4.625%
HK$146,752
+HK$7,348/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$278,808/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,853
−HK$9,585/mo
▼ 0.25% · 3.875%
HK$157,607
−HK$4,831/mo
Today · 4.125%
HK$162,438
baseline
▲ 0.50% · 4.625%
HK$172,322
+HK$9,884/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$324,876/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,047
−HK$9,187/mo
▼ 0.25% · 3.875%
HK$174,608
−HK$4,626/mo
Today · 4.125%
HK$179,234
baseline
▲ 0.50% · 4.625%
HK$188,682
+HK$9,448/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$358,468/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,726 · Scale 2, in force from 26 Feb 2026)