LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,111
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,758
−HK$2,690/mo
Today · 4.125%
HK$90,448
baseline
▲ 0.50% · 4.625%
HK$95,952
+HK$5,504/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,896/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,685
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,224
−HK$2,577/mo
Today · 4.125%
HK$99,801
baseline
▲ 0.50% · 4.625%
HK$105,061
+HK$5,260/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,602/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,133
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,310
−HK$3,228/mo
Today · 4.125%
HK$108,538
baseline
▲ 0.50% · 4.625%
HK$115,142
+HK$6,604/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$217,076/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,622
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,669
−HK$3,092/mo
Today · 4.125%
HK$119,761
baseline
▲ 0.50% · 4.625%
HK$126,073
+HK$6,312/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$239,522/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,155
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,862
−HK$3,765/mo
Today · 4.125%
HK$126,627
baseline
▲ 0.50% · 4.625%
HK$134,332
+HK$7,705/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$253,254/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,559
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,114
−HK$3,607/mo
Today · 4.125%
HK$139,721
baseline
▲ 0.50% · 4.625%
HK$147,086
+HK$7,365/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$279,442/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,200
−HK$9,607/mo
▼ 0.25% · 3.875%
HK$157,965
−HK$4,842/mo
Today · 4.125%
HK$162,807
baseline
▲ 0.50% · 4.625%
HK$172,713
+HK$9,906/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$325,614/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,433
−HK$9,208/mo
▼ 0.25% · 3.875%
HK$175,004
−HK$4,637/mo
Today · 4.125%
HK$179,641
baseline
▲ 0.50% · 4.625%
HK$189,110
+HK$9,469/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$359,282/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,319 · Scale 2, in force from 26 Feb 2026)