LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,110
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,695
−HK$2,627/mo
Today · 4.125%
HK$88,322
baseline
▲ 0.50% · 4.625%
HK$93,696
+HK$5,374/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$176,644/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,549,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,459
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,939
−HK$2,515/mo
Today · 4.125%
HK$97,454
baseline
▲ 0.50% · 4.625%
HK$102,591
+HK$5,137/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$194,908/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,549,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,732
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,834
−HK$3,152/mo
Today · 4.125%
HK$105,986
baseline
▲ 0.50% · 4.625%
HK$112,435
+HK$6,449/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$211,972/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,951
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,927
−HK$3,018/mo
Today · 4.125%
HK$116,945
baseline
▲ 0.50% · 4.625%
HK$123,110
+HK$6,165/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,890/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,354
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$119,973
−HK$3,677/mo
Today · 4.125%
HK$123,650
baseline
▲ 0.50% · 4.625%
HK$131,174
+HK$7,524/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$247,300/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,549,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,443
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$132,914
−HK$3,522/mo
Today · 4.125%
HK$136,436
baseline
▲ 0.50% · 4.625%
HK$143,628
+HK$7,192/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$272,872/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,549,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,598
−HK$9,381/mo
▼ 0.25% · 3.875%
HK$154,251
−HK$4,728/mo
Today · 4.125%
HK$158,979
baseline
▲ 0.50% · 4.625%
HK$168,653
+HK$9,674/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$317,958/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,426
−HK$8,992/mo
▼ 0.25% · 3.875%
HK$170,890
−HK$4,528/mo
Today · 4.125%
HK$175,418
baseline
▲ 0.50% · 4.625%
HK$184,664
+HK$9,246/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$350,836/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,027 · Scale 2, in force from 26 Feb 2026)