LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,078
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,725
−HK$2,688/mo
Today · 4.125%
HK$90,413
baseline
▲ 0.50% · 4.625%
HK$95,915
+HK$5,502/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,826/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,649
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,187
−HK$2,575/mo
Today · 4.125%
HK$99,762
baseline
▲ 0.50% · 4.625%
HK$105,021
+HK$5,259/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,524/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,094
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,270
−HK$3,226/mo
Today · 4.125%
HK$108,496
baseline
▲ 0.50% · 4.625%
HK$115,098
+HK$6,602/mo
Deposit HK$14.92M · loan HK$22.39M · min. income ≈ HK$216,992/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,578
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,625
−HK$3,090/mo
Today · 4.125%
HK$119,715
baseline
▲ 0.50% · 4.625%
HK$126,025
+HK$6,310/mo
Deposit HK$14.92M · loan HK$22.39M · min. income ≈ HK$239,430/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,110
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,815
−HK$3,764/mo
Today · 4.125%
HK$126,579
baseline
▲ 0.50% · 4.625%
HK$134,281
+HK$7,702/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$253,158/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,508
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,062
−HK$3,605/mo
Today · 4.125%
HK$139,667
baseline
▲ 0.50% · 4.625%
HK$147,029
+HK$7,362/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$279,334/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,141
−HK$9,603/mo
▼ 0.25% · 3.875%
HK$157,904
−HK$4,840/mo
Today · 4.125%
HK$162,744
baseline
▲ 0.50% · 4.625%
HK$172,647
+HK$9,903/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$325,488/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,368
−HK$9,204/mo
▼ 0.25% · 3.875%
HK$174,937
−HK$4,635/mo
Today · 4.125%
HK$179,572
baseline
▲ 0.50% · 4.625%
HK$189,038
+HK$9,466/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$359,144/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,711 · Scale 2, in force from 26 Feb 2026)