LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,193
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,843
−HK$2,692/mo
Today · 4.125%
HK$90,535
baseline
▲ 0.50% · 4.625%
HK$96,044
+HK$5,509/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,070/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,776
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,318
−HK$2,578/mo
Today · 4.125%
HK$99,896
baseline
▲ 0.50% · 4.625%
HK$105,162
+HK$5,266/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,792/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,231
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,411
−HK$3,231/mo
Today · 4.125%
HK$108,642
baseline
▲ 0.50% · 4.625%
HK$115,253
+HK$6,611/mo
Deposit HK$14.94M · loan HK$22.42M · min. income ≈ HK$217,284/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,731
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,781
−HK$3,095/mo
Today · 4.125%
HK$119,876
baseline
▲ 0.50% · 4.625%
HK$126,194
+HK$6,318/mo
Deposit HK$14.94M · loan HK$22.42M · min. income ≈ HK$239,752/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,270
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$122,980
−HK$3,769/mo
Today · 4.125%
HK$126,749
baseline
▲ 0.50% · 4.625%
HK$134,461
+HK$7,712/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$253,498/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,686
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,245
−HK$3,610/mo
Today · 4.125%
HK$139,855
baseline
▲ 0.50% · 4.625%
HK$147,227
+HK$7,372/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$279,710/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,587,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,347
−HK$9,616/mo
▼ 0.25% · 3.875%
HK$158,117
−HK$4,846/mo
Today · 4.125%
HK$162,963
baseline
▲ 0.50% · 4.625%
HK$172,879
+HK$9,916/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$325,926/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,597
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$175,172
−HK$4,642/mo
Today · 4.125%
HK$179,814
baseline
▲ 0.50% · 4.625%
HK$189,292
+HK$9,478/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$359,628/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,843 · Scale 2, in force from 26 Feb 2026)