LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,202
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,852
−HK$2,693/mo
Today · 4.125%
HK$90,545
baseline
▲ 0.50% · 4.625%
HK$96,054
+HK$5,509/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,090/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,786
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,329
−HK$2,578/mo
Today · 4.125%
HK$99,907
baseline
▲ 0.50% · 4.625%
HK$105,174
+HK$5,267/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,814/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,588,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,242
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,423
−HK$3,231/mo
Today · 4.125%
HK$108,654
baseline
▲ 0.50% · 4.625%
HK$115,265
+HK$6,611/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$217,308/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,588,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,744
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,794
−HK$3,095/mo
Today · 4.125%
HK$119,889
baseline
▲ 0.50% · 4.625%
HK$126,208
+HK$6,319/mo
Deposit HK$14.95M · loan HK$22.42M · min. income ≈ HK$239,778/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,588,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,283
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,993
−HK$3,770/mo
Today · 4.125%
HK$126,763
baseline
▲ 0.50% · 4.625%
HK$134,476
+HK$7,713/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$253,526/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,701
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,260
−HK$3,610/mo
Today · 4.125%
HK$139,870
baseline
▲ 0.50% · 4.625%
HK$147,243
+HK$7,373/mo
Deposit HK$11.21M · loan HK$26.16M · min. income ≈ HK$279,740/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,588,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,364
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$158,134
−HK$4,847/mo
Today · 4.125%
HK$162,981
baseline
▲ 0.50% · 4.625%
HK$172,898
+HK$9,917/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$325,962/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,588,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,616
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$175,191
−HK$4,642/mo
Today · 4.125%
HK$179,833
baseline
▲ 0.50% · 4.625%
HK$189,313
+HK$9,480/mo
Deposit HK$3.74M · loan HK$33.63M · min. income ≈ HK$359,666/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,588,018 · Scale 2, in force from 26 Feb 2026)