LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,141
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,727
−HK$2,628/mo
Today · 4.125%
HK$88,355
baseline
▲ 0.50% · 4.625%
HK$93,731
+HK$5,376/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,710/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,494
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,974
−HK$2,517/mo
Today · 4.125%
HK$97,491
baseline
▲ 0.50% · 4.625%
HK$102,630
+HK$5,139/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$194,982/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,770
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,873
−HK$3,153/mo
Today · 4.125%
HK$106,026
baseline
▲ 0.50% · 4.625%
HK$112,477
+HK$6,451/mo
Deposit HK$14.58M · loan HK$21.88M · min. income ≈ HK$212,052/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,993
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,969
−HK$3,020/mo
Today · 4.125%
HK$116,989
baseline
▲ 0.50% · 4.625%
HK$123,156
+HK$6,167/mo
Deposit HK$14.58M · loan HK$21.88M · min. income ≈ HK$233,978/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,398
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$120,018
−HK$3,679/mo
Today · 4.125%
HK$123,697
baseline
▲ 0.50% · 4.625%
HK$131,224
+HK$7,527/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$247,394/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,491
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$132,964
−HK$3,523/mo
Today · 4.125%
HK$136,487
baseline
▲ 0.50% · 4.625%
HK$143,682
+HK$7,195/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$272,974/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,654
−HK$9,385/mo
▼ 0.25% · 3.875%
HK$154,309
−HK$4,730/mo
Today · 4.125%
HK$159,039
baseline
▲ 0.50% · 4.625%
HK$168,716
+HK$9,677/mo
Deposit HK$3.65M · loan HK$32.82M · min. income ≈ HK$318,078/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,489
−HK$8,995/mo
▼ 0.25% · 3.875%
HK$170,954
−HK$4,530/mo
Today · 4.125%
HK$175,484
baseline
▲ 0.50% · 4.625%
HK$184,734
+HK$9,250/mo
Deposit HK$3.65M · loan HK$32.82M · min. income ≈ HK$350,968/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,608 · Scale 2, in force from 26 Feb 2026)