LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,009
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,653
−HK$2,687/mo
Today · 4.125%
HK$90,340
baseline
▲ 0.50% · 4.625%
HK$95,837
+HK$5,497/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,680/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,572
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,108
−HK$2,573/mo
Today · 4.125%
HK$99,681
baseline
▲ 0.50% · 4.625%
HK$104,936
+HK$5,255/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,362/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,011
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,184
−HK$3,224/mo
Today · 4.125%
HK$108,408
baseline
▲ 0.50% · 4.625%
HK$115,004
+HK$6,596/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$216,816/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,486
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,530
−HK$3,087/mo
Today · 4.125%
HK$119,617
baseline
▲ 0.50% · 4.625%
HK$125,923
+HK$6,306/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$239,234/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,013
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$122,715
−HK$3,761/mo
Today · 4.125%
HK$126,476
baseline
▲ 0.50% · 4.625%
HK$134,172
+HK$7,696/mo
Deposit HK$11.18M · loan HK$26.10M · min. income ≈ HK$252,952/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,400
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$135,951
−HK$3,603/mo
Today · 4.125%
HK$139,554
baseline
▲ 0.50% · 4.625%
HK$146,910
+HK$7,356/mo
Deposit HK$11.18M · loan HK$26.10M · min. income ≈ HK$279,108/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,016
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$157,776
−HK$4,836/mo
Today · 4.125%
HK$162,612
baseline
▲ 0.50% · 4.625%
HK$172,506
+HK$9,894/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$325,224/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,229
−HK$9,197/mo
▼ 0.25% · 3.875%
HK$174,795
−HK$4,631/mo
Today · 4.125%
HK$179,426
baseline
▲ 0.50% · 4.625%
HK$188,884
+HK$9,458/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$358,852/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,422 · Scale 2, in force from 26 Feb 2026)