LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,923
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,564
−HK$2,684/mo
Today · 4.125%
HK$90,248
baseline
▲ 0.50% · 4.625%
HK$95,739
+HK$5,491/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$180,496/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,475
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,009
−HK$2,571/mo
Today · 4.125%
HK$99,580
baseline
▲ 0.50% · 4.625%
HK$104,829
+HK$5,249/mo
Deposit HK$18.62M · loan HK$18.62M · min. income ≈ HK$199,160/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,907
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,077
−HK$3,221/mo
Today · 4.125%
HK$108,298
baseline
▲ 0.50% · 4.625%
HK$114,887
+HK$6,589/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$216,596/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,371
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,411
−HK$3,085/mo
Today · 4.125%
HK$119,496
baseline
▲ 0.50% · 4.625%
HK$125,794
+HK$6,298/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$238,992/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,582,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,892
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$122,590
−HK$3,757/mo
Today · 4.125%
HK$126,347
baseline
▲ 0.50% · 4.625%
HK$134,035
+HK$7,688/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$252,694/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,582,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,266
−HK$7,146/mo
▼ 0.25% · 3.875%
HK$135,813
−HK$3,599/mo
Today · 4.125%
HK$139,412
baseline
▲ 0.50% · 4.625%
HK$146,760
+HK$7,348/mo
Deposit HK$11.17M · loan HK$26.07M · min. income ≈ HK$278,824/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,582,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,861
−HK$9,585/mo
▼ 0.25% · 3.875%
HK$157,615
−HK$4,831/mo
Today · 4.125%
HK$162,446
baseline
▲ 0.50% · 4.625%
HK$172,331
+HK$9,885/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$324,892/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,056
−HK$9,187/mo
▼ 0.25% · 3.875%
HK$174,617
−HK$4,626/mo
Today · 4.125%
HK$179,243
baseline
▲ 0.50% · 4.625%
HK$188,692
+HK$9,449/mo
Deposit HK$3.72M · loan HK$33.52M · min. income ≈ HK$358,486/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,808 · Scale 2, in force from 26 Feb 2026)