LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,982
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,626
−HK$2,685/mo
Today · 4.125%
HK$90,311
baseline
▲ 0.50% · 4.625%
HK$95,807
+HK$5,496/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$180,622/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,542
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,078
−HK$2,572/mo
Today · 4.125%
HK$99,650
baseline
▲ 0.50% · 4.625%
HK$104,902
+HK$5,252/mo
Deposit HK$18.63M · loan HK$18.63M · min. income ≈ HK$199,300/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,979
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,151
−HK$3,223/mo
Today · 4.125%
HK$108,374
baseline
▲ 0.50% · 4.625%
HK$114,968
+HK$6,594/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,748/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,450
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,493
−HK$3,087/mo
Today · 4.125%
HK$119,580
baseline
▲ 0.50% · 4.625%
HK$125,883
+HK$6,303/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,160/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,975
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$122,676
−HK$3,760/mo
Today · 4.125%
HK$126,436
baseline
▲ 0.50% · 4.625%
HK$134,129
+HK$7,693/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,872/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,359
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$135,909
−HK$3,601/mo
Today · 4.125%
HK$139,510
baseline
▲ 0.50% · 4.625%
HK$146,863
+HK$7,353/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,020/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,968
−HK$9,593/mo
▼ 0.25% · 3.875%
HK$157,726
−HK$4,835/mo
Today · 4.125%
HK$162,561
baseline
▲ 0.50% · 4.625%
HK$172,452
+HK$9,891/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,122/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,176
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$174,740
−HK$4,630/mo
Today · 4.125%
HK$179,370
baseline
▲ 0.50% · 4.625%
HK$188,824
+HK$9,454/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,740/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,583,923 · Scale 2, in force from 26 Feb 2026)