LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,186
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,836
−HK$2,692/mo
Today · 4.125%
HK$90,528
baseline
▲ 0.50% · 4.625%
HK$96,036
+HK$5,508/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,056/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,768
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,310
−HK$2,579/mo
Today · 4.125%
HK$99,889
baseline
▲ 0.50% · 4.625%
HK$105,154
+HK$5,265/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,778/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,223
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,403
−HK$3,230/mo
Today · 4.125%
HK$108,633
baseline
▲ 0.50% · 4.625%
HK$115,243
+HK$6,610/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$217,266/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,722
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,772
−HK$3,094/mo
Today · 4.125%
HK$119,866
baseline
▲ 0.50% · 4.625%
HK$126,185
+HK$6,319/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$239,732/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,260
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$122,970
−HK$3,769/mo
Today · 4.125%
HK$126,739
baseline
▲ 0.50% · 4.625%
HK$134,451
+HK$7,712/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$253,478/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,676
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$136,234
−HK$3,610/mo
Today · 4.125%
HK$139,844
baseline
▲ 0.50% · 4.625%
HK$147,215
+HK$7,371/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$279,688/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,335
−HK$9,615/mo
▼ 0.25% · 3.875%
HK$158,104
−HK$4,846/mo
Today · 4.125%
HK$162,950
baseline
▲ 0.50% · 4.625%
HK$172,865
+HK$9,915/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$325,900/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,583
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$175,158
−HK$4,641/mo
Today · 4.125%
HK$179,799
baseline
▲ 0.50% · 4.625%
HK$189,277
+HK$9,478/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$359,598/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,717 · Scale 2, in force from 26 Feb 2026)