LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,198
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,786
−HK$2,630/mo
Today · 4.125%
HK$88,416
baseline
▲ 0.50% · 4.625%
HK$93,795
+HK$5,379/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,832/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,557
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,040
−HK$2,518/mo
Today · 4.125%
HK$97,558
baseline
▲ 0.50% · 4.625%
HK$102,700
+HK$5,142/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,116/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,838
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,943
−HK$3,156/mo
Today · 4.125%
HK$106,099
baseline
▲ 0.50% · 4.625%
HK$112,554
+HK$6,455/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$212,198/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,069
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,047
−HK$3,022/mo
Today · 4.125%
HK$117,069
baseline
▲ 0.50% · 4.625%
HK$123,240
+HK$6,171/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$1,550,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,478
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$120,101
−HK$3,681/mo
Today · 4.125%
HK$123,782
baseline
▲ 0.50% · 4.625%
HK$131,314
+HK$7,532/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$247,564/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,580
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,055
−HK$3,526/mo
Today · 4.125%
HK$136,581
baseline
▲ 0.50% · 4.625%
HK$143,780
+HK$7,199/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$273,162/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,757
−HK$9,391/mo
▼ 0.25% · 3.875%
HK$154,415
−HK$4,733/mo
Today · 4.125%
HK$159,148
baseline
▲ 0.50% · 4.625%
HK$168,832
+HK$9,684/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,296/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,603
−HK$9,001/mo
▼ 0.25% · 3.875%
HK$171,071
−HK$4,533/mo
Today · 4.125%
HK$175,604
baseline
▲ 0.50% · 4.625%
HK$184,860
+HK$9,256/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,208/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,671 · Scale 2, in force from 26 Feb 2026)