LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,100
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,747
−HK$2,689/mo
Today · 4.125%
HK$90,436
baseline
▲ 0.50% · 4.625%
HK$95,939
+HK$5,503/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,872/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,672
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,212
−HK$2,575/mo
Today · 4.125%
HK$99,787
baseline
▲ 0.50% · 4.625%
HK$105,047
+HK$5,260/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,574/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,120
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,296
−HK$3,227/mo
Today · 4.125%
HK$108,523
baseline
▲ 0.50% · 4.625%
HK$115,127
+HK$6,604/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$217,046/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,607
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,654
−HK$3,091/mo
Today · 4.125%
HK$119,745
baseline
▲ 0.50% · 4.625%
HK$126,057
+HK$6,312/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$239,490/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,139
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,845
−HK$3,766/mo
Today · 4.125%
HK$126,611
baseline
▲ 0.50% · 4.625%
HK$134,315
+HK$7,704/mo
Deposit HK$11.20M · loan HK$26.12M · min. income ≈ HK$253,222/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,541
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$136,096
−HK$3,606/mo
Today · 4.125%
HK$139,702
baseline
▲ 0.50% · 4.625%
HK$147,066
+HK$7,364/mo
Deposit HK$11.20M · loan HK$26.12M · min. income ≈ HK$279,404/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,179
−HK$9,606/mo
▼ 0.25% · 3.875%
HK$157,944
−HK$4,841/mo
Today · 4.125%
HK$162,785
baseline
▲ 0.50% · 4.625%
HK$172,690
+HK$9,905/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$325,570/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,410
−HK$9,207/mo
▼ 0.25% · 3.875%
HK$174,981
−HK$4,636/mo
Today · 4.125%
HK$179,617
baseline
▲ 0.50% · 4.625%
HK$189,085
+HK$9,468/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$359,234/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,109 · Scale 2, in force from 26 Feb 2026)