LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,073
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,719
−HK$2,689/mo
Today · 4.125%
HK$90,408
baseline
▲ 0.50% · 4.625%
HK$95,909
+HK$5,501/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$180,816/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,643
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,181
−HK$2,575/mo
Today · 4.125%
HK$99,756
baseline
▲ 0.50% · 4.625%
HK$105,014
+HK$5,258/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$199,512/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,088
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,263
−HK$3,226/mo
Today · 4.125%
HK$108,489
baseline
▲ 0.50% · 4.625%
HK$115,091
+HK$6,602/mo
Deposit HK$14.92M · loan HK$22.39M · min. income ≈ HK$216,978/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,571
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,617
−HK$3,090/mo
Today · 4.125%
HK$119,707
baseline
▲ 0.50% · 4.625%
HK$126,017
+HK$6,310/mo
Deposit HK$14.92M · loan HK$22.39M · min. income ≈ HK$239,414/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,102
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,807
−HK$3,764/mo
Today · 4.125%
HK$126,571
baseline
▲ 0.50% · 4.625%
HK$134,273
+HK$7,702/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$253,142/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,500
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,054
−HK$3,605/mo
Today · 4.125%
HK$139,659
baseline
▲ 0.50% · 4.625%
HK$147,020
+HK$7,361/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$279,318/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,131
−HK$9,603/mo
▼ 0.25% · 3.875%
HK$157,895
−HK$4,839/mo
Today · 4.125%
HK$162,734
baseline
▲ 0.50% · 4.625%
HK$172,636
+HK$9,902/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$325,468/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,357
−HK$9,204/mo
▼ 0.25% · 3.875%
HK$174,926
−HK$4,635/mo
Today · 4.125%
HK$179,561
baseline
▲ 0.50% · 4.625%
HK$189,026
+HK$9,465/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$359,122/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,614 · Scale 2, in force from 26 Feb 2026)