LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,098
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,745
−HK$2,689/mo
Today · 4.125%
HK$90,434
baseline
▲ 0.50% · 4.625%
HK$95,937
+HK$5,503/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,868/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,671
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,210
−HK$2,575/mo
Today · 4.125%
HK$99,785
baseline
▲ 0.50% · 4.625%
HK$105,045
+HK$5,260/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,570/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,117
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,294
−HK$3,227/mo
Today · 4.125%
HK$108,521
baseline
▲ 0.50% · 4.625%
HK$115,124
+HK$6,603/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$217,042/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,586,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,605
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,651
−HK$3,091/mo
Today · 4.125%
HK$119,742
baseline
▲ 0.50% · 4.625%
HK$126,054
+HK$6,312/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$239,484/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,586,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,137
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$122,843
−HK$3,765/mo
Today · 4.125%
HK$126,608
baseline
▲ 0.50% · 4.625%
HK$134,312
+HK$7,704/mo
Deposit HK$11.20M · loan HK$26.12M · min. income ≈ HK$253,216/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,539
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,093
−HK$3,606/mo
Today · 4.125%
HK$139,699
baseline
▲ 0.50% · 4.625%
HK$147,063
+HK$7,364/mo
Deposit HK$11.20M · loan HK$26.12M · min. income ≈ HK$279,398/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,176
−HK$9,606/mo
▼ 0.25% · 3.875%
HK$157,941
−HK$4,841/mo
Today · 4.125%
HK$162,782
baseline
▲ 0.50% · 4.625%
HK$172,687
+HK$9,905/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$325,564/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,407
−HK$9,207/mo
▼ 0.25% · 3.875%
HK$174,977
−HK$4,637/mo
Today · 4.125%
HK$179,614
baseline
▲ 0.50% · 4.625%
HK$189,081
+HK$9,467/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$359,228/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,076 · Scale 2, in force from 26 Feb 2026)