LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,100
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,685
−HK$2,626/mo
Today · 4.125%
HK$88,311
baseline
▲ 0.50% · 4.625%
HK$93,684
+HK$5,373/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$176,622/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,448
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,927
−HK$2,515/mo
Today · 4.125%
HK$97,442
baseline
▲ 0.50% · 4.625%
HK$102,578
+HK$5,136/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$194,884/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,720
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,821
−HK$3,152/mo
Today · 4.125%
HK$105,973
baseline
▲ 0.50% · 4.625%
HK$112,421
+HK$6,448/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$211,946/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,548,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,937
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,912
−HK$3,019/mo
Today · 4.125%
HK$116,931
baseline
▲ 0.50% · 4.625%
HK$123,094
+HK$6,163/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,862/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,548,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,340
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,958
−HK$3,677/mo
Today · 4.125%
HK$123,635
baseline
▲ 0.50% · 4.625%
HK$131,158
+HK$7,523/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$247,270/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,427
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$132,898
−HK$3,521/mo
Today · 4.125%
HK$136,419
baseline
▲ 0.50% · 4.625%
HK$143,610
+HK$7,191/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$272,838/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,579
−HK$9,380/mo
▼ 0.25% · 3.875%
HK$154,232
−HK$4,727/mo
Today · 4.125%
HK$158,959
baseline
▲ 0.50% · 4.625%
HK$168,632
+HK$9,673/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$317,918/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,406
−HK$8,990/mo
▼ 0.25% · 3.875%
HK$170,868
−HK$4,528/mo
Today · 4.125%
HK$175,396
baseline
▲ 0.50% · 4.625%
HK$184,641
+HK$9,245/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$350,792/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,833 · Scale 2, in force from 26 Feb 2026)