LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,065
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,711
−HK$2,688/mo
Today · 4.125%
HK$90,399
baseline
▲ 0.50% · 4.625%
HK$95,900
+HK$5,501/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$180,798/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,634
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,172
−HK$2,574/mo
Today · 4.125%
HK$99,746
baseline
▲ 0.50% · 4.625%
HK$105,004
+HK$5,258/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$199,492/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,078
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,253
−HK$3,226/mo
Today · 4.125%
HK$108,479
baseline
▲ 0.50% · 4.625%
HK$115,079
+HK$6,600/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$216,958/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,560
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,606
−HK$3,090/mo
Today · 4.125%
HK$119,696
baseline
▲ 0.50% · 4.625%
HK$126,005
+HK$6,309/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$239,392/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,090
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,795
−HK$3,764/mo
Today · 4.125%
HK$126,559
baseline
▲ 0.50% · 4.625%
HK$134,259
+HK$7,700/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$253,118/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,487
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$136,040
−HK$3,605/mo
Today · 4.125%
HK$139,645
baseline
▲ 0.50% · 4.625%
HK$147,006
+HK$7,361/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$279,290/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,116
−HK$9,602/mo
▼ 0.25% · 3.875%
HK$157,879
−HK$4,839/mo
Today · 4.125%
HK$162,718
baseline
▲ 0.50% · 4.625%
HK$172,619
+HK$9,901/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$325,436/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,340
−HK$9,203/mo
▼ 0.25% · 3.875%
HK$174,909
−HK$4,634/mo
Today · 4.125%
HK$179,543
baseline
▲ 0.50% · 4.625%
HK$189,007
+HK$9,464/mo
Deposit HK$3.73M · loan HK$33.57M · min. income ≈ HK$359,086/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,457 · Scale 2, in force from 26 Feb 2026)