LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,025
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,608
−HK$2,624/mo
Today · 4.125%
HK$88,232
baseline
▲ 0.50% · 4.625%
HK$93,600
+HK$5,368/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,464/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,365
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,842
−HK$2,513/mo
Today · 4.125%
HK$97,355
baseline
▲ 0.50% · 4.625%
HK$102,487
+HK$5,132/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,710/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,630
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,730
−HK$3,148/mo
Today · 4.125%
HK$105,878
baseline
▲ 0.50% · 4.625%
HK$112,321
+HK$6,443/mo
Deposit HK$14.56M · loan HK$21.85M · min. income ≈ HK$211,756/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,838
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,810
−HK$3,016/mo
Today · 4.125%
HK$116,826
baseline
▲ 0.50% · 4.625%
HK$122,984
+HK$6,158/mo
Deposit HK$14.56M · loan HK$21.85M · min. income ≈ HK$233,652/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,236
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$119,851
−HK$3,674/mo
Today · 4.125%
HK$123,525
baseline
▲ 0.50% · 4.625%
HK$131,041
+HK$7,516/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$247,050/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,311
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,779
−HK$3,518/mo
Today · 4.125%
HK$136,297
baseline
▲ 0.50% · 4.625%
HK$143,482
+HK$7,185/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$272,594/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,446
−HK$9,371/mo
▼ 0.25% · 3.875%
HK$154,094
−HK$4,723/mo
Today · 4.125%
HK$158,817
baseline
▲ 0.50% · 4.625%
HK$168,481
+HK$9,664/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$317,634/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,257
−HK$8,982/mo
▼ 0.25% · 3.875%
HK$170,716
−HK$4,523/mo
Today · 4.125%
HK$175,239
baseline
▲ 0.50% · 4.625%
HK$184,476
+HK$9,237/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$350,478/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,448 · Scale 2, in force from 26 Feb 2026)