LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,137
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,785
−HK$2,691/mo
Today · 4.125%
HK$90,476
baseline
▲ 0.50% · 4.625%
HK$95,981
+HK$5,505/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$180,952/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,586,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,714
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,254
−HK$2,577/mo
Today · 4.125%
HK$99,831
baseline
▲ 0.50% · 4.625%
HK$105,093
+HK$5,262/mo
Deposit HK$18.67M · loan HK$18.67M · min. income ≈ HK$199,662/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,586,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,164
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,342
−HK$3,229/mo
Today · 4.125%
HK$108,571
baseline
▲ 0.50% · 4.625%
HK$115,177
+HK$6,606/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$217,142/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,657
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,705
−HK$3,092/mo
Today · 4.125%
HK$119,797
baseline
▲ 0.50% · 4.625%
HK$126,112
+HK$6,315/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$239,594/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,192
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$122,899
−HK$3,767/mo
Today · 4.125%
HK$126,666
baseline
▲ 0.50% · 4.625%
HK$134,374
+HK$7,708/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$253,332/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,600
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,156
−HK$3,608/mo
Today · 4.125%
HK$139,764
baseline
▲ 0.50% · 4.625%
HK$147,131
+HK$7,367/mo
Deposit HK$11.20M · loan HK$26.14M · min. income ≈ HK$279,528/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,586,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,247
−HK$9,610/mo
▼ 0.25% · 3.875%
HK$158,013
−HK$4,844/mo
Today · 4.125%
HK$162,857
baseline
▲ 0.50% · 4.625%
HK$172,766
+HK$9,909/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$325,714/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,485
−HK$9,211/mo
▼ 0.25% · 3.875%
HK$175,058
−HK$4,638/mo
Today · 4.125%
HK$179,696
baseline
▲ 0.50% · 4.625%
HK$189,168
+HK$9,472/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$359,392/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,806 · Scale 2, in force from 26 Feb 2026)