LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,253
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,843
−HK$2,631/mo
Today · 4.125%
HK$88,474
baseline
▲ 0.50% · 4.625%
HK$93,857
+HK$5,383/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$176,948/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,618
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,102
−HK$2,520/mo
Today · 4.125%
HK$97,622
baseline
▲ 0.50% · 4.625%
HK$102,768
+HK$5,146/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,244/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,904
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,012
−HK$3,157/mo
Today · 4.125%
HK$106,169
baseline
▲ 0.50% · 4.625%
HK$112,629
+HK$6,460/mo
Deposit HK$14.60M · loan HK$21.91M · min. income ≈ HK$212,338/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,551,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,142
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,123
−HK$3,024/mo
Today · 4.125%
HK$117,147
baseline
▲ 0.50% · 4.625%
HK$123,322
+HK$6,175/mo
Deposit HK$14.60M · loan HK$21.91M · min. income ≈ HK$234,294/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,551,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,555
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$120,180
−HK$3,684/mo
Today · 4.125%
HK$123,864
baseline
▲ 0.50% · 4.625%
HK$131,400
+HK$7,536/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$247,728/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,666
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$133,143
−HK$3,528/mo
Today · 4.125%
HK$136,671
baseline
▲ 0.50% · 4.625%
HK$143,875
+HK$7,204/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$273,342/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,856
−HK$9,397/mo
▼ 0.25% · 3.875%
HK$154,517
−HK$4,736/mo
Today · 4.125%
HK$159,253
baseline
▲ 0.50% · 4.625%
HK$168,943
+HK$9,690/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$318,506/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,713
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$171,184
−HK$4,536/mo
Today · 4.125%
HK$175,720
baseline
▲ 0.50% · 4.625%
HK$184,983
+HK$9,263/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$351,440/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,697 · Scale 2, in force from 26 Feb 2026)