LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,174
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,823
−HK$2,692/mo
Today · 4.125%
HK$90,515
baseline
▲ 0.50% · 4.625%
HK$96,022
+HK$5,507/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,030/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,587,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,755
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,296
−HK$2,578/mo
Today · 4.125%
HK$99,874
baseline
▲ 0.50% · 4.625%
HK$105,139
+HK$5,265/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,748/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,587,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,208
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,388
−HK$3,230/mo
Today · 4.125%
HK$108,618
baseline
▲ 0.50% · 4.625%
HK$115,227
+HK$6,609/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$217,236/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,706
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,755
−HK$3,094/mo
Today · 4.125%
HK$119,849
baseline
▲ 0.50% · 4.625%
HK$126,166
+HK$6,317/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$239,698/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,243
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$122,952
−HK$3,769/mo
Today · 4.125%
HK$126,721
baseline
▲ 0.50% · 4.625%
HK$134,431
+HK$7,710/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$253,442/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,657
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$136,215
−HK$3,609/mo
Today · 4.125%
HK$139,824
baseline
▲ 0.50% · 4.625%
HK$147,194
+HK$7,370/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$279,648/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,313
−HK$9,614/mo
▼ 0.25% · 3.875%
HK$158,081
−HK$4,846/mo
Today · 4.125%
HK$162,927
baseline
▲ 0.50% · 4.625%
HK$172,840
+HK$9,913/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$325,854/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,559
−HK$9,214/mo
▼ 0.25% · 3.875%
HK$175,133
−HK$4,640/mo
Today · 4.125%
HK$179,773
baseline
▲ 0.50% · 4.625%
HK$189,250
+HK$9,477/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$359,546/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,489 · Scale 2, in force from 26 Feb 2026)