LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,179
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,766
−HK$2,629/mo
Today · 4.125%
HK$88,395
baseline
▲ 0.50% · 4.625%
HK$93,773
+HK$5,378/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,790/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,535
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,017
−HK$2,518/mo
Today · 4.125%
HK$97,535
baseline
▲ 0.50% · 4.625%
HK$102,676
+HK$5,141/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,070/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,814
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,919
−HK$3,155/mo
Today · 4.125%
HK$106,074
baseline
▲ 0.50% · 4.625%
HK$112,528
+HK$6,454/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$212,148/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,043
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,021
−HK$3,021/mo
Today · 4.125%
HK$117,042
baseline
▲ 0.50% · 4.625%
HK$123,211
+HK$6,169/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$234,084/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,450
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$120,072
−HK$3,681/mo
Today · 4.125%
HK$123,753
baseline
▲ 0.50% · 4.625%
HK$131,283
+HK$7,530/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$247,506/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,550,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,550
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$133,024
−HK$3,525/mo
Today · 4.125%
HK$136,549
baseline
▲ 0.50% · 4.625%
HK$143,746
+HK$7,197/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$273,098/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,550,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,722
−HK$9,388/mo
▼ 0.25% · 3.875%
HK$154,379
−HK$4,731/mo
Today · 4.125%
HK$159,110
baseline
▲ 0.50% · 4.625%
HK$168,792
+HK$9,682/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$318,220/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,564
−HK$8,999/mo
▼ 0.25% · 3.875%
HK$171,031
−HK$4,532/mo
Today · 4.125%
HK$175,563
baseline
▲ 0.50% · 4.625%
HK$184,817
+HK$9,254/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$351,126/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,306 · Scale 2, in force from 26 Feb 2026)