LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,080
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,726
−HK$2,689/mo
Today · 4.125%
HK$90,415
baseline
▲ 0.50% · 4.625%
HK$95,916
+HK$5,501/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,830/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,650
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,189
−HK$2,575/mo
Today · 4.125%
HK$99,764
baseline
▲ 0.50% · 4.625%
HK$105,023
+HK$5,259/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,528/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,095
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,271
−HK$3,227/mo
Today · 4.125%
HK$108,498
baseline
▲ 0.50% · 4.625%
HK$115,100
+HK$6,602/mo
Deposit HK$14.92M · loan HK$22.39M · min. income ≈ HK$216,996/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,580
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,626
−HK$3,091/mo
Today · 4.125%
HK$119,717
baseline
▲ 0.50% · 4.625%
HK$126,027
+HK$6,310/mo
Deposit HK$14.92M · loan HK$22.39M · min. income ≈ HK$239,434/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,111
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,816
−HK$3,765/mo
Today · 4.125%
HK$126,581
baseline
▲ 0.50% · 4.625%
HK$134,283
+HK$7,702/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$253,162/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,510
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,064
−HK$3,605/mo
Today · 4.125%
HK$139,669
baseline
▲ 0.50% · 4.625%
HK$147,032
+HK$7,363/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$279,338/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,143
−HK$9,604/mo
▼ 0.25% · 3.875%
HK$157,907
−HK$4,840/mo
Today · 4.125%
HK$162,747
baseline
▲ 0.50% · 4.625%
HK$172,649
+HK$9,902/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$325,494/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,370
−HK$9,205/mo
▼ 0.25% · 3.875%
HK$174,940
−HK$4,635/mo
Today · 4.125%
HK$179,575
baseline
▲ 0.50% · 4.625%
HK$189,041
+HK$9,466/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$359,150/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,735 · Scale 2, in force from 26 Feb 2026)