LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,118
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,704
−HK$2,627/mo
Today · 4.125%
HK$88,331
baseline
▲ 0.50% · 4.625%
HK$93,705
+HK$5,374/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,662/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,549,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,468
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,948
−HK$2,516/mo
Today · 4.125%
HK$97,464
baseline
▲ 0.50% · 4.625%
HK$102,602
+HK$5,138/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$194,928/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,549,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,742
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,845
−HK$3,152/mo
Today · 4.125%
HK$105,997
baseline
▲ 0.50% · 4.625%
HK$112,446
+HK$6,449/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$211,994/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,962
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,938
−HK$3,019/mo
Today · 4.125%
HK$116,957
baseline
▲ 0.50% · 4.625%
HK$123,122
+HK$6,165/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,914/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,366
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$119,985
−HK$3,678/mo
Today · 4.125%
HK$123,663
baseline
▲ 0.50% · 4.625%
HK$131,187
+HK$7,524/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$247,326/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,549,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,456
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,928
−HK$3,522/mo
Today · 4.125%
HK$136,450
baseline
▲ 0.50% · 4.625%
HK$143,642
+HK$7,192/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$272,900/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,549,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,613
−HK$9,382/mo
▼ 0.25% · 3.875%
HK$154,267
−HK$4,728/mo
Today · 4.125%
HK$158,995
baseline
▲ 0.50% · 4.625%
HK$168,670
+HK$9,675/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$317,990/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,443
−HK$8,992/mo
▼ 0.25% · 3.875%
HK$170,907
−HK$4,528/mo
Today · 4.125%
HK$175,435
baseline
▲ 0.50% · 4.625%
HK$184,683
+HK$9,248/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$350,870/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,181 · Scale 2, in force from 26 Feb 2026)