LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,080
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,727
−HK$2,688/mo
Today · 4.125%
HK$90,415
baseline
▲ 0.50% · 4.625%
HK$95,917
+HK$5,502/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$1,585,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,651
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,189
−HK$2,576/mo
Today · 4.125%
HK$99,765
baseline
▲ 0.50% · 4.625%
HK$105,023
+HK$5,258/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,530/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,585,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,096
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,272
−HK$3,227/mo
Today · 4.125%
HK$108,499
baseline
▲ 0.50% · 4.625%
HK$115,100
+HK$6,601/mo
Deposit HK$14.92M · loan HK$22.39M · min. income ≈ HK$216,998/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,585,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,581
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,627
−HK$3,090/mo
Today · 4.125%
HK$119,717
baseline
▲ 0.50% · 4.625%
HK$126,028
+HK$6,311/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$1,585,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,112
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,817
−HK$3,765/mo
Today · 4.125%
HK$126,582
baseline
▲ 0.50% · 4.625%
HK$134,284
+HK$7,702/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$253,164/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,511
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,065
−HK$3,605/mo
Today · 4.125%
HK$139,670
baseline
▲ 0.50% · 4.625%
HK$147,033
+HK$7,363/mo
Deposit HK$11.19M · loan HK$26.12M · min. income ≈ HK$279,340/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,585,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,144
−HK$9,604/mo
▼ 0.25% · 3.875%
HK$157,908
−HK$4,840/mo
Today · 4.125%
HK$162,748
baseline
▲ 0.50% · 4.625%
HK$172,651
+HK$9,903/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$325,496/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,372
−HK$9,204/mo
▼ 0.25% · 3.875%
HK$174,941
−HK$4,635/mo
Today · 4.125%
HK$179,576
baseline
▲ 0.50% · 4.625%
HK$189,042
+HK$9,466/mo
Deposit HK$3.73M · loan HK$33.58M · min. income ≈ HK$359,152/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,585,746 · Scale 2, in force from 26 Feb 2026)