LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,186
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,774
−HK$2,628/mo
Today · 4.125%
HK$88,402
baseline
▲ 0.50% · 4.625%
HK$93,782
+HK$5,380/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,804/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,544
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,026
−HK$2,517/mo
Today · 4.125%
HK$97,543
baseline
▲ 0.50% · 4.625%
HK$102,685
+HK$5,142/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,086/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,823
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,928
−HK$3,155/mo
Today · 4.125%
HK$106,083
baseline
▲ 0.50% · 4.625%
HK$112,538
+HK$6,455/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$212,166/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,052
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,031
−HK$3,021/mo
Today · 4.125%
HK$117,052
baseline
▲ 0.50% · 4.625%
HK$123,222
+HK$6,170/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$234,104/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,460
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$120,083
−HK$3,680/mo
Today · 4.125%
HK$123,763
baseline
▲ 0.50% · 4.625%
HK$131,294
+HK$7,531/mo
Deposit HK$10.94M · loan HK$25.54M · min. income ≈ HK$247,526/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,550,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,561
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$133,036
−HK$3,525/mo
Today · 4.125%
HK$136,561
baseline
▲ 0.50% · 4.625%
HK$143,759
+HK$7,198/mo
Deposit HK$10.94M · loan HK$25.54M · min. income ≈ HK$273,122/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,550,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,735
−HK$9,389/mo
▼ 0.25% · 3.875%
HK$154,392
−HK$4,732/mo
Today · 4.125%
HK$159,124
baseline
▲ 0.50% · 4.625%
HK$168,807
+HK$9,683/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$318,248/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,578
−HK$9,000/mo
▼ 0.25% · 3.875%
HK$171,046
−HK$4,532/mo
Today · 4.125%
HK$175,578
baseline
▲ 0.50% · 4.625%
HK$184,833
+HK$9,255/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$351,156/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,442 · Scale 2, in force from 26 Feb 2026)