LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,996
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,640
−HK$2,686/mo
Today · 4.125%
HK$90,326
baseline
▲ 0.50% · 4.625%
HK$95,822
+HK$5,496/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,652/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,557
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,093
−HK$2,573/mo
Today · 4.125%
HK$99,666
baseline
▲ 0.50% · 4.625%
HK$104,919
+HK$5,253/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,332/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,995
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,168
−HK$3,223/mo
Today · 4.125%
HK$108,391
baseline
▲ 0.50% · 4.625%
HK$114,986
+HK$6,595/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,782/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,468
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,512
−HK$3,087/mo
Today · 4.125%
HK$119,599
baseline
▲ 0.50% · 4.625%
HK$125,903
+HK$6,304/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,198/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,994
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$122,696
−HK$3,760/mo
Today · 4.125%
HK$126,456
baseline
▲ 0.50% · 4.625%
HK$134,151
+HK$7,695/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,912/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,380
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$135,930
−HK$3,602/mo
Today · 4.125%
HK$139,532
baseline
▲ 0.50% · 4.625%
HK$146,887
+HK$7,355/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,064/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,993
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$157,751
−HK$4,836/mo
Today · 4.125%
HK$162,587
baseline
▲ 0.50% · 4.625%
HK$172,480
+HK$9,893/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$325,174/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,203
−HK$9,195/mo
▼ 0.25% · 3.875%
HK$174,767
−HK$4,631/mo
Today · 4.125%
HK$179,398
baseline
▲ 0.50% · 4.625%
HK$188,855
+HK$9,457/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$358,796/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,175 · Scale 2, in force from 26 Feb 2026)