LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,010
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,654
−HK$2,687/mo
Today · 4.125%
HK$90,341
baseline
▲ 0.50% · 4.625%
HK$95,838
+HK$5,497/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,682/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,573
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,109
−HK$2,573/mo
Today · 4.125%
HK$99,682
baseline
▲ 0.50% · 4.625%
HK$104,937
+HK$5,255/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,364/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,012
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,185
−HK$3,224/mo
Today · 4.125%
HK$108,409
baseline
▲ 0.50% · 4.625%
HK$115,006
+HK$6,597/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$216,818/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,488
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,531
−HK$3,088/mo
Today · 4.125%
HK$119,619
baseline
▲ 0.50% · 4.625%
HK$125,924
+HK$6,305/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$239,238/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,014
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$122,716
−HK$3,761/mo
Today · 4.125%
HK$126,477
baseline
▲ 0.50% · 4.625%
HK$134,173
+HK$7,696/mo
Deposit HK$11.18M · loan HK$26.10M · min. income ≈ HK$252,954/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,402
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$135,953
−HK$3,602/mo
Today · 4.125%
HK$139,555
baseline
▲ 0.50% · 4.625%
HK$146,912
+HK$7,357/mo
Deposit HK$11.18M · loan HK$26.10M · min. income ≈ HK$279,110/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,018
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$157,778
−HK$4,836/mo
Today · 4.125%
HK$162,614
baseline
▲ 0.50% · 4.625%
HK$172,509
+HK$9,895/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$325,228/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,231
−HK$9,197/mo
▼ 0.25% · 3.875%
HK$174,797
−HK$4,631/mo
Today · 4.125%
HK$179,428
baseline
▲ 0.50% · 4.625%
HK$188,886
+HK$9,458/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$358,856/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,441 · Scale 2, in force from 26 Feb 2026)