LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,069
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,715
−HK$2,688/mo
Today · 4.125%
HK$90,403
baseline
▲ 0.50% · 4.625%
HK$95,904
+HK$5,501/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$180,806/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,638
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,176
−HK$2,575/mo
Today · 4.125%
HK$99,751
baseline
▲ 0.50% · 4.625%
HK$105,009
+HK$5,258/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$199,502/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,082
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,258
−HK$3,226/mo
Today · 4.125%
HK$108,484
baseline
▲ 0.50% · 4.625%
HK$115,085
+HK$6,601/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$216,968/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,566
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,611
−HK$3,090/mo
Today · 4.125%
HK$119,701
baseline
▲ 0.50% · 4.625%
HK$126,011
+HK$6,310/mo
Deposit HK$14.92M · loan HK$22.38M · min. income ≈ HK$239,402/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,096
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$122,801
−HK$3,763/mo
Today · 4.125%
HK$126,564
baseline
▲ 0.50% · 4.625%
HK$134,266
+HK$7,702/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$253,128/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,493
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$136,047
−HK$3,604/mo
Today · 4.125%
HK$139,651
baseline
▲ 0.50% · 4.625%
HK$147,013
+HK$7,362/mo
Deposit HK$11.19M · loan HK$26.11M · min. income ≈ HK$279,302/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,124
−HK$9,602/mo
▼ 0.25% · 3.875%
HK$157,887
−HK$4,839/mo
Today · 4.125%
HK$162,726
baseline
▲ 0.50% · 4.625%
HK$172,627
+HK$9,901/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$325,452/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,348
−HK$9,204/mo
▼ 0.25% · 3.875%
HK$174,917
−HK$4,635/mo
Today · 4.125%
HK$179,552
baseline
▲ 0.50% · 4.625%
HK$189,016
+HK$9,464/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$359,104/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,531 · Scale 2, in force from 26 Feb 2026)