LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,185
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,834
−HK$2,692/mo
Today · 4.125%
HK$90,526
baseline
▲ 0.50% · 4.625%
HK$96,035
+HK$5,509/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,052/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,767
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,309
−HK$2,578/mo
Today · 4.125%
HK$99,887
baseline
▲ 0.50% · 4.625%
HK$105,152
+HK$5,265/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,774/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,222
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,401
−HK$3,231/mo
Today · 4.125%
HK$108,632
baseline
▲ 0.50% · 4.625%
HK$115,242
+HK$6,610/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$217,264/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,720
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,770
−HK$3,094/mo
Today · 4.125%
HK$119,864
baseline
▲ 0.50% · 4.625%
HK$126,183
+HK$6,319/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$239,728/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,258
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$122,968
−HK$3,769/mo
Today · 4.125%
HK$126,737
baseline
▲ 0.50% · 4.625%
HK$134,449
+HK$7,712/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$253,474/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,674
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$136,232
−HK$3,610/mo
Today · 4.125%
HK$139,842
baseline
▲ 0.50% · 4.625%
HK$147,213
+HK$7,371/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$279,684/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,332
−HK$9,616/mo
▼ 0.25% · 3.875%
HK$158,102
−HK$4,846/mo
Today · 4.125%
HK$162,948
baseline
▲ 0.50% · 4.625%
HK$172,863
+HK$9,915/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$325,896/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,581
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$175,156
−HK$4,641/mo
Today · 4.125%
HK$179,797
baseline
▲ 0.50% · 4.625%
HK$189,274
+HK$9,477/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$359,594/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,693 · Scale 2, in force from 26 Feb 2026)