LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,946
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,588
−HK$2,684/mo
Today · 4.125%
HK$90,272
baseline
▲ 0.50% · 4.625%
HK$95,765
+HK$5,493/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,544/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,501
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,036
−HK$2,571/mo
Today · 4.125%
HK$99,607
baseline
▲ 0.50% · 4.625%
HK$104,857
+HK$5,250/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,214/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,583,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,935
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,105
−HK$3,222/mo
Today · 4.125%
HK$108,327
baseline
▲ 0.50% · 4.625%
HK$114,918
+HK$6,591/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$216,654/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,583,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,401
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,443
−HK$3,085/mo
Today · 4.125%
HK$119,528
baseline
▲ 0.50% · 4.625%
HK$125,829
+HK$6,301/mo
Deposit HK$14.90M · loan HK$22.35M · min. income ≈ HK$239,056/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,583,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,924
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$122,623
−HK$3,758/mo
Today · 4.125%
HK$126,381
baseline
▲ 0.50% · 4.625%
HK$134,071
+HK$7,690/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$252,762/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,302
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$135,850
−HK$3,599/mo
Today · 4.125%
HK$139,449
baseline
▲ 0.50% · 4.625%
HK$146,800
+HK$7,351/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$278,898/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,902
−HK$9,588/mo
▼ 0.25% · 3.875%
HK$157,658
−HK$4,832/mo
Today · 4.125%
HK$162,490
baseline
▲ 0.50% · 4.625%
HK$172,378
+HK$9,888/mo
Deposit HK$3.73M · loan HK$33.53M · min. income ≈ HK$324,980/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,102
−HK$9,190/mo
▼ 0.25% · 3.875%
HK$174,664
−HK$4,628/mo
Today · 4.125%
HK$179,292
baseline
▲ 0.50% · 4.625%
HK$188,743
+HK$9,451/mo
Deposit HK$3.73M · loan HK$33.53M · min. income ≈ HK$358,584/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,238 · Scale 2, in force from 26 Feb 2026)