LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,137
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,723
−HK$2,627/mo
Today · 4.125%
HK$88,350
baseline
▲ 0.50% · 4.625%
HK$93,726
+HK$5,376/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,700/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,489
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,969
−HK$2,517/mo
Today · 4.125%
HK$97,486
baseline
▲ 0.50% · 4.625%
HK$102,624
+HK$5,138/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$194,972/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,764
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,868
−HK$3,152/mo
Today · 4.125%
HK$106,020
baseline
▲ 0.50% · 4.625%
HK$112,471
+HK$6,451/mo
Deposit HK$14.58M · loan HK$21.88M · min. income ≈ HK$212,040/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,987
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,963
−HK$3,020/mo
Today · 4.125%
HK$116,983
baseline
▲ 0.50% · 4.625%
HK$123,149
+HK$6,166/mo
Deposit HK$14.58M · loan HK$21.88M · min. income ≈ HK$233,966/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,392
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$120,012
−HK$3,678/mo
Today · 4.125%
HK$123,690
baseline
▲ 0.50% · 4.625%
HK$131,217
+HK$7,527/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$247,380/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,485
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$132,957
−HK$3,523/mo
Today · 4.125%
HK$136,480
baseline
▲ 0.50% · 4.625%
HK$143,674
+HK$7,194/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$272,960/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,646
−HK$9,385/mo
▼ 0.25% · 3.875%
HK$154,301
−HK$4,730/mo
Today · 4.125%
HK$159,031
baseline
▲ 0.50% · 4.625%
HK$168,707
+HK$9,676/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$318,062/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,480
−HK$8,995/mo
▼ 0.25% · 3.875%
HK$170,945
−HK$4,530/mo
Today · 4.125%
HK$175,475
baseline
▲ 0.50% · 4.625%
HK$184,724
+HK$9,249/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$350,950/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,527 · Scale 2, in force from 26 Feb 2026)