LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,177
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,764
−HK$2,629/mo
Today · 4.125%
HK$88,393
baseline
▲ 0.50% · 4.625%
HK$93,772
+HK$5,379/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,786/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,534
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,015
−HK$2,518/mo
Today · 4.125%
HK$97,533
baseline
▲ 0.50% · 4.625%
HK$102,674
+HK$5,141/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,066/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,813
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,917
−HK$3,155/mo
Today · 4.125%
HK$106,072
baseline
▲ 0.50% · 4.625%
HK$112,526
+HK$6,454/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$212,144/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,041
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,019
−HK$3,021/mo
Today · 4.125%
HK$117,040
baseline
▲ 0.50% · 4.625%
HK$123,209
+HK$6,169/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$234,080/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,448
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$120,070
−HK$3,680/mo
Today · 4.125%
HK$123,750
baseline
▲ 0.50% · 4.625%
HK$131,280
+HK$7,530/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$247,500/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,550,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,547
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$133,022
−HK$3,524/mo
Today · 4.125%
HK$136,546
baseline
▲ 0.50% · 4.625%
HK$143,744
+HK$7,198/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$273,092/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,550,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,719
−HK$9,389/mo
▼ 0.25% · 3.875%
HK$154,376
−HK$4,732/mo
Today · 4.125%
HK$159,108
baseline
▲ 0.50% · 4.625%
HK$168,789
+HK$9,681/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$318,216/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,561
−HK$8,999/mo
▼ 0.25% · 3.875%
HK$171,028
−HK$4,532/mo
Today · 4.125%
HK$175,560
baseline
▲ 0.50% · 4.625%
HK$184,814
+HK$9,254/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$351,120/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,278 · Scale 2, in force from 26 Feb 2026)