LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,091
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,676
−HK$2,626/mo
Today · 4.125%
HK$88,302
baseline
▲ 0.50% · 4.625%
HK$93,675
+HK$5,373/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$176,604/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,438
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,917
−HK$2,515/mo
Today · 4.125%
HK$97,432
baseline
▲ 0.50% · 4.625%
HK$102,568
+HK$5,136/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$194,864/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,710
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,811
−HK$3,151/mo
Today · 4.125%
HK$105,962
baseline
▲ 0.50% · 4.625%
HK$112,410
+HK$6,448/mo
Deposit HK$14.58M · loan HK$21.86M · min. income ≈ HK$211,924/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,926
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,901
−HK$3,018/mo
Today · 4.125%
HK$116,919
baseline
▲ 0.50% · 4.625%
HK$123,082
+HK$6,163/mo
Deposit HK$14.58M · loan HK$21.86M · min. income ≈ HK$233,838/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,328
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,946
−HK$3,677/mo
Today · 4.125%
HK$123,623
baseline
▲ 0.50% · 4.625%
HK$131,145
+HK$7,522/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$247,246/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,414
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$132,884
−HK$3,521/mo
Today · 4.125%
HK$136,405
baseline
▲ 0.50% · 4.625%
HK$143,595
+HK$7,190/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$272,810/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,564
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$154,217
−HK$4,726/mo
Today · 4.125%
HK$158,943
baseline
▲ 0.50% · 4.625%
HK$168,615
+HK$9,672/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$317,886/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,389
−HK$8,989/mo
▼ 0.25% · 3.875%
HK$170,851
−HK$4,527/mo
Today · 4.125%
HK$175,378
baseline
▲ 0.50% · 4.625%
HK$184,623
+HK$9,245/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$350,756/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,677 · Scale 2, in force from 26 Feb 2026)