LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,003
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,647
−HK$2,687/mo
Today · 4.125%
HK$90,334
baseline
▲ 0.50% · 4.625%
HK$95,830
+HK$5,496/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,668/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,565
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,102
−HK$2,572/mo
Today · 4.125%
HK$99,674
baseline
▲ 0.50% · 4.625%
HK$104,928
+HK$5,254/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,348/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,004
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,177
−HK$3,224/mo
Today · 4.125%
HK$108,401
baseline
▲ 0.50% · 4.625%
HK$114,997
+HK$6,596/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$216,802/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,478
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,522
−HK$3,087/mo
Today · 4.125%
HK$119,609
baseline
▲ 0.50% · 4.625%
HK$125,914
+HK$6,305/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$239,218/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,005
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$122,706
−HK$3,761/mo
Today · 4.125%
HK$126,467
baseline
▲ 0.50% · 4.625%
HK$134,163
+HK$7,696/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,934/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,392
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$135,942
−HK$3,602/mo
Today · 4.125%
HK$139,544
baseline
▲ 0.50% · 4.625%
HK$146,900
+HK$7,356/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,088/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,006
−HK$9,595/mo
▼ 0.25% · 3.875%
HK$157,765
−HK$4,836/mo
Today · 4.125%
HK$162,601
baseline
▲ 0.50% · 4.625%
HK$172,495
+HK$9,894/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$325,202/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,218
−HK$9,196/mo
▼ 0.25% · 3.875%
HK$174,783
−HK$4,631/mo
Today · 4.125%
HK$179,414
baseline
▲ 0.50% · 4.625%
HK$188,871
+HK$9,457/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$358,828/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,315 · Scale 2, in force from 26 Feb 2026)