LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,117
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,764
−HK$2,690/mo
Today · 4.125%
HK$90,454
baseline
▲ 0.50% · 4.625%
HK$95,958
+HK$5,504/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,908/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,692
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,231
−HK$2,576/mo
Today · 4.125%
HK$99,807
baseline
▲ 0.50% · 4.625%
HK$105,068
+HK$5,261/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,614/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,140
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,317
−HK$3,228/mo
Today · 4.125%
HK$108,545
baseline
▲ 0.50% · 4.625%
HK$115,150
+HK$6,605/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$217,090/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,630
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,677
−HK$3,092/mo
Today · 4.125%
HK$119,769
baseline
▲ 0.50% · 4.625%
HK$126,082
+HK$6,313/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$239,538/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,164
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,870
−HK$3,766/mo
Today · 4.125%
HK$126,636
baseline
▲ 0.50% · 4.625%
HK$134,342
+HK$7,706/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$253,272/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,568
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,124
−HK$3,606/mo
Today · 4.125%
HK$139,730
baseline
▲ 0.50% · 4.625%
HK$147,096
+HK$7,366/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$279,460/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,210
−HK$9,608/mo
▼ 0.25% · 3.875%
HK$157,976
−HK$4,842/mo
Today · 4.125%
HK$162,818
baseline
▲ 0.50% · 4.625%
HK$172,725
+HK$9,907/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$325,636/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,445
−HK$9,208/mo
▼ 0.25% · 3.875%
HK$175,016
−HK$4,637/mo
Today · 4.125%
HK$179,653
baseline
▲ 0.50% · 4.625%
HK$189,123
+HK$9,470/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$359,306/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,429 · Scale 2, in force from 26 Feb 2026)