LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,001
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,645
−HK$2,686/mo
Today · 4.125%
HK$90,331
baseline
▲ 0.50% · 4.625%
HK$95,827
+HK$5,496/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,662/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,562
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,099
−HK$2,572/mo
Today · 4.125%
HK$99,671
baseline
▲ 0.50% · 4.625%
HK$104,925
+HK$5,254/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,342/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,001
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,174
−HK$3,223/mo
Today · 4.125%
HK$108,397
baseline
▲ 0.50% · 4.625%
HK$114,993
+HK$6,596/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$216,794/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,475
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,518
−HK$3,088/mo
Today · 4.125%
HK$119,606
baseline
▲ 0.50% · 4.625%
HK$125,910
+HK$6,304/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$239,212/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,001
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$122,703
−HK$3,760/mo
Today · 4.125%
HK$126,463
baseline
▲ 0.50% · 4.625%
HK$134,158
+HK$7,695/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,926/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,387
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$135,938
−HK$3,602/mo
Today · 4.125%
HK$139,540
baseline
▲ 0.50% · 4.625%
HK$146,895
+HK$7,355/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,080/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,001
−HK$9,595/mo
▼ 0.25% · 3.875%
HK$157,760
−HK$4,836/mo
Today · 4.125%
HK$162,596
baseline
▲ 0.50% · 4.625%
HK$172,489
+HK$9,893/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$325,192/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,212
−HK$9,196/mo
▼ 0.25% · 3.875%
HK$174,777
−HK$4,631/mo
Today · 4.125%
HK$179,408
baseline
▲ 0.50% · 4.625%
HK$188,865
+HK$9,457/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$358,816/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,265 · Scale 2, in force from 26 Feb 2026)