LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,030
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,613
−HK$2,624/mo
Today · 4.125%
HK$88,237
baseline
▲ 0.50% · 4.625%
HK$93,606
+HK$5,369/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,474/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,370
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,847
−HK$2,514/mo
Today · 4.125%
HK$97,361
baseline
▲ 0.50% · 4.625%
HK$102,493
+HK$5,132/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,722/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,636
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,735
−HK$3,149/mo
Today · 4.125%
HK$105,884
baseline
▲ 0.50% · 4.625%
HK$112,327
+HK$6,443/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$211,768/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,844
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,817
−HK$3,016/mo
Today · 4.125%
HK$116,833
baseline
▲ 0.50% · 4.625%
HK$122,991
+HK$6,158/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$233,666/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,242
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$119,858
−HK$3,673/mo
Today · 4.125%
HK$123,531
baseline
▲ 0.50% · 4.625%
HK$131,048
+HK$7,517/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$247,062/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,318
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$132,786
−HK$3,519/mo
Today · 4.125%
HK$136,305
baseline
▲ 0.50% · 4.625%
HK$143,490
+HK$7,185/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$272,610/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,454
−HK$9,372/mo
▼ 0.25% · 3.875%
HK$154,103
−HK$4,723/mo
Today · 4.125%
HK$158,826
baseline
▲ 0.50% · 4.625%
HK$168,490
+HK$9,664/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$317,652/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,266
−HK$8,983/mo
▼ 0.25% · 3.875%
HK$170,725
−HK$4,524/mo
Today · 4.125%
HK$175,249
baseline
▲ 0.50% · 4.625%
HK$184,487
+HK$9,238/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$350,498/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,536 · Scale 2, in force from 26 Feb 2026)