LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,993
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,636
−HK$2,686/mo
Today · 4.125%
HK$90,322
baseline
▲ 0.50% · 4.625%
HK$95,818
+HK$5,496/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,644/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,553
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,089
−HK$2,573/mo
Today · 4.125%
HK$99,662
baseline
▲ 0.50% · 4.625%
HK$104,915
+HK$5,253/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,324/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,991
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,164
−HK$3,223/mo
Today · 4.125%
HK$108,387
baseline
▲ 0.50% · 4.625%
HK$114,982
+HK$6,595/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,774/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,464
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,507
−HK$3,087/mo
Today · 4.125%
HK$119,594
baseline
▲ 0.50% · 4.625%
HK$125,898
+HK$6,304/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,188/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,990
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$122,691
−HK$3,760/mo
Today · 4.125%
HK$126,451
baseline
▲ 0.50% · 4.625%
HK$134,146
+HK$7,695/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,902/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,375
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$135,925
−HK$3,602/mo
Today · 4.125%
HK$139,527
baseline
▲ 0.50% · 4.625%
HK$146,881
+HK$7,354/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,054/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,987
−HK$9,593/mo
▼ 0.25% · 3.875%
HK$157,746
−HK$4,834/mo
Today · 4.125%
HK$162,580
baseline
▲ 0.50% · 4.625%
HK$172,473
+HK$9,893/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$325,160/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,196
−HK$9,195/mo
▼ 0.25% · 3.875%
HK$174,761
−HK$4,630/mo
Today · 4.125%
HK$179,391
baseline
▲ 0.50% · 4.625%
HK$188,847
+HK$9,456/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$358,782/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,115 · Scale 2, in force from 26 Feb 2026)