LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,972
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,615
−HK$2,685/mo
Today · 4.125%
HK$90,300
baseline
▲ 0.50% · 4.625%
HK$95,795
+HK$5,495/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,600/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,530
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,065
−HK$2,572/mo
Today · 4.125%
HK$99,637
baseline
▲ 0.50% · 4.625%
HK$104,889
+HK$5,252/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,274/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,966
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,138
−HK$3,222/mo
Today · 4.125%
HK$108,360
baseline
▲ 0.50% · 4.625%
HK$114,954
+HK$6,594/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,720/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,436
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,478
−HK$3,087/mo
Today · 4.125%
HK$119,565
baseline
▲ 0.50% · 4.625%
HK$125,867
+HK$6,302/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,130/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,960
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,661
−HK$3,759/mo
Today · 4.125%
HK$126,420
baseline
▲ 0.50% · 4.625%
HK$134,112
+HK$7,692/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$252,840/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,342
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$135,891
−HK$3,601/mo
Today · 4.125%
HK$139,492
baseline
▲ 0.50% · 4.625%
HK$146,845
+HK$7,353/mo
Deposit HK$11.18M · loan HK$26.08M · min. income ≈ HK$278,984/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,949
−HK$9,591/mo
▼ 0.25% · 3.875%
HK$157,706
−HK$4,834/mo
Today · 4.125%
HK$162,540
baseline
▲ 0.50% · 4.625%
HK$172,430
+HK$9,890/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,080/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,154
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$174,718
−HK$4,629/mo
Today · 4.125%
HK$179,347
baseline
▲ 0.50% · 4.625%
HK$188,801
+HK$9,454/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,694/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,723 · Scale 2, in force from 26 Feb 2026)