LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,198
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,786
−HK$2,629/mo
Today · 4.125%
HK$88,415
baseline
▲ 0.50% · 4.625%
HK$93,795
+HK$5,380/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,830/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,557
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,039
−HK$2,518/mo
Today · 4.125%
HK$97,557
baseline
▲ 0.50% · 4.625%
HK$102,699
+HK$5,142/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,114/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,837
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,943
−HK$3,155/mo
Today · 4.125%
HK$106,098
baseline
▲ 0.50% · 4.625%
HK$112,554
+HK$6,456/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$212,196/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,068
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,047
−HK$3,022/mo
Today · 4.125%
HK$117,069
baseline
▲ 0.50% · 4.625%
HK$123,239
+HK$6,170/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$234,138/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,477
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$120,100
−HK$3,681/mo
Today · 4.125%
HK$123,781
baseline
▲ 0.50% · 4.625%
HK$131,313
+HK$7,532/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$247,562/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,579
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,054
−HK$3,526/mo
Today · 4.125%
HK$136,580
baseline
▲ 0.50% · 4.625%
HK$143,779
+HK$7,199/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$273,160/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,756
−HK$9,391/mo
▼ 0.25% · 3.875%
HK$154,414
−HK$4,733/mo
Today · 4.125%
HK$159,147
baseline
▲ 0.50% · 4.625%
HK$168,831
+HK$9,684/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,294/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,602
−HK$9,001/mo
▼ 0.25% · 3.875%
HK$171,070
−HK$4,533/mo
Today · 4.125%
HK$175,603
baseline
▲ 0.50% · 4.625%
HK$184,859
+HK$9,256/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,206/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,660 · Scale 2, in force from 26 Feb 2026)