LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,077
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,724
−HK$2,688/mo
Today · 4.125%
HK$90,412
baseline
▲ 0.50% · 4.625%
HK$95,914
+HK$5,502/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,824/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,648
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,186
−HK$2,575/mo
Today · 4.125%
HK$99,761
baseline
▲ 0.50% · 4.625%
HK$105,020
+HK$5,259/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,522/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,093
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,269
−HK$3,226/mo
Today · 4.125%
HK$108,495
baseline
▲ 0.50% · 4.625%
HK$115,097
+HK$6,602/mo
Deposit HK$14.92M · loan HK$22.39M · min. income ≈ HK$216,990/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,577
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,623
−HK$3,091/mo
Today · 4.125%
HK$119,714
baseline
▲ 0.50% · 4.625%
HK$126,024
+HK$6,310/mo
Deposit HK$14.92M · loan HK$22.39M · min. income ≈ HK$239,428/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,108
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,813
−HK$3,764/mo
Today · 4.125%
HK$126,577
baseline
▲ 0.50% · 4.625%
HK$134,279
+HK$7,702/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$253,154/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,507
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,061
−HK$3,605/mo
Today · 4.125%
HK$139,666
baseline
▲ 0.50% · 4.625%
HK$147,028
+HK$7,362/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$279,332/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,139
−HK$9,603/mo
▼ 0.25% · 3.875%
HK$157,903
−HK$4,839/mo
Today · 4.125%
HK$162,742
baseline
▲ 0.50% · 4.625%
HK$172,645
+HK$9,903/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$325,484/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,366
−HK$9,204/mo
▼ 0.25% · 3.875%
HK$174,935
−HK$4,635/mo
Today · 4.125%
HK$179,570
baseline
▲ 0.50% · 4.625%
HK$189,036
+HK$9,466/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$359,140/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,694 · Scale 2, in force from 26 Feb 2026)