LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,048
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,694
−HK$2,687/mo
Today · 4.125%
HK$90,381
baseline
▲ 0.50% · 4.625%
HK$95,881
+HK$5,500/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$180,762/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,585,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,615
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,153
−HK$2,574/mo
Today · 4.125%
HK$99,727
baseline
▲ 0.50% · 4.625%
HK$104,984
+HK$5,257/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$199,454/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,585,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,058
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$105,232
−HK$3,226/mo
Today · 4.125%
HK$108,458
baseline
▲ 0.50% · 4.625%
HK$115,057
+HK$6,599/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$216,916/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,585,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,538
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,583
−HK$3,089/mo
Today · 4.125%
HK$119,672
baseline
▲ 0.50% · 4.625%
HK$125,980
+HK$6,308/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$239,344/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,585,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,067
−HK$7,467/mo
▼ 0.25% · 3.875%
HK$122,771
−HK$3,763/mo
Today · 4.125%
HK$126,534
baseline
▲ 0.50% · 4.625%
HK$134,233
+HK$7,699/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$253,068/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,585,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,461
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$136,014
−HK$3,604/mo
Today · 4.125%
HK$139,618
baseline
▲ 0.50% · 4.625%
HK$146,977
+HK$7,359/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$279,236/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,585,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,087
−HK$9,600/mo
▼ 0.25% · 3.875%
HK$157,849
−HK$4,838/mo
Today · 4.125%
HK$162,687
baseline
▲ 0.50% · 4.625%
HK$172,586
+HK$9,899/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$325,374/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,585,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,307
−HK$9,202/mo
▼ 0.25% · 3.875%
HK$174,875
−HK$4,634/mo
Today · 4.125%
HK$179,509
baseline
▲ 0.50% · 4.625%
HK$188,971
+HK$9,462/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$359,018/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,585,150 · Scale 2, in force from 26 Feb 2026)