LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,190
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,840
−HK$2,692/mo
Today · 4.125%
HK$90,532
baseline
▲ 0.50% · 4.625%
HK$96,041
+HK$5,509/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,064/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,773
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,315
−HK$2,578/mo
Today · 4.125%
HK$99,893
baseline
▲ 0.50% · 4.625%
HK$105,159
+HK$5,266/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,786/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,228
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,408
−HK$3,231/mo
Today · 4.125%
HK$108,639
baseline
▲ 0.50% · 4.625%
HK$115,249
+HK$6,610/mo
Deposit HK$14.94M · loan HK$22.42M · min. income ≈ HK$217,278/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,728
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,778
−HK$3,094/mo
Today · 4.125%
HK$119,872
baseline
▲ 0.50% · 4.625%
HK$126,191
+HK$6,319/mo
Deposit HK$14.94M · loan HK$22.42M · min. income ≈ HK$239,744/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,266
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$122,976
−HK$3,769/mo
Today · 4.125%
HK$126,745
baseline
▲ 0.50% · 4.625%
HK$134,457
+HK$7,712/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$253,490/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,682
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,241
−HK$3,610/mo
Today · 4.125%
HK$139,851
baseline
▲ 0.50% · 4.625%
HK$147,222
+HK$7,371/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$279,702/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,342
−HK$9,616/mo
▼ 0.25% · 3.875%
HK$158,112
−HK$4,846/mo
Today · 4.125%
HK$162,958
baseline
▲ 0.50% · 4.625%
HK$172,874
+HK$9,916/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$325,916/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,591
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$175,167
−HK$4,641/mo
Today · 4.125%
HK$179,808
baseline
▲ 0.50% · 4.625%
HK$189,286
+HK$9,478/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$359,616/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,794 · Scale 2, in force from 26 Feb 2026)