LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,063
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,709
−HK$2,689/mo
Today · 4.125%
HK$90,398
baseline
▲ 0.50% · 4.625%
HK$95,898
+HK$5,500/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$180,796/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,632
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,170
−HK$2,575/mo
Today · 4.125%
HK$99,745
baseline
▲ 0.50% · 4.625%
HK$105,003
+HK$5,258/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$199,490/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,076
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,251
−HK$3,226/mo
Today · 4.125%
HK$108,477
baseline
▲ 0.50% · 4.625%
HK$115,078
+HK$6,601/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$216,954/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,559
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,604
−HK$3,090/mo
Today · 4.125%
HK$119,694
baseline
▲ 0.50% · 4.625%
HK$126,003
+HK$6,309/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$239,388/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,089
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$122,793
−HK$3,764/mo
Today · 4.125%
HK$126,557
baseline
▲ 0.50% · 4.625%
HK$134,257
+HK$7,700/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$253,114/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,485
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$136,038
−HK$3,605/mo
Today · 4.125%
HK$139,643
baseline
▲ 0.50% · 4.625%
HK$147,004
+HK$7,361/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$279,286/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,114
−HK$9,602/mo
▼ 0.25% · 3.875%
HK$157,877
−HK$4,839/mo
Today · 4.125%
HK$162,716
baseline
▲ 0.50% · 4.625%
HK$172,617
+HK$9,901/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$325,432/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,338
−HK$9,203/mo
▼ 0.25% · 3.875%
HK$174,906
−HK$4,635/mo
Today · 4.125%
HK$179,541
baseline
▲ 0.50% · 4.625%
HK$189,005
+HK$9,464/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$359,082/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,434 · Scale 2, in force from 26 Feb 2026)