LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,137
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,723
−HK$2,628/mo
Today · 4.125%
HK$88,351
baseline
▲ 0.50% · 4.625%
HK$93,727
+HK$5,376/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,702/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,489
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,970
−HK$2,516/mo
Today · 4.125%
HK$97,486
baseline
▲ 0.50% · 4.625%
HK$102,625
+HK$5,139/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$1,549,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,765
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,868
−HK$3,153/mo
Today · 4.125%
HK$106,021
baseline
▲ 0.50% · 4.625%
HK$112,472
+HK$6,451/mo
Deposit HK$14.58M · loan HK$21.88M · min. income ≈ HK$212,042/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,987
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,964
−HK$3,020/mo
Today · 4.125%
HK$116,984
baseline
▲ 0.50% · 4.625%
HK$123,150
+HK$6,166/mo
Deposit HK$14.58M · loan HK$21.88M · min. income ≈ HK$233,968/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,392
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$120,013
−HK$3,678/mo
Today · 4.125%
HK$123,691
baseline
▲ 0.50% · 4.625%
HK$131,217
+HK$7,526/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$247,382/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,485
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$132,958
−HK$3,523/mo
Today · 4.125%
HK$136,481
baseline
▲ 0.50% · 4.625%
HK$143,675
+HK$7,194/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$272,962/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,647
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$154,302
−HK$4,729/mo
Today · 4.125%
HK$159,031
baseline
▲ 0.50% · 4.625%
HK$168,708
+HK$9,677/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$1,549,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,481
−HK$8,995/mo
▼ 0.25% · 3.875%
HK$170,946
−HK$4,530/mo
Today · 4.125%
HK$175,476
baseline
▲ 0.50% · 4.625%
HK$184,725
+HK$9,249/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$350,952/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,536 · Scale 2, in force from 26 Feb 2026)