LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,266
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,856
−HK$2,631/mo
Today · 4.125%
HK$88,487
baseline
▲ 0.50% · 4.625%
HK$93,872
+HK$5,385/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$176,974/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,633
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,117
−HK$2,520/mo
Today · 4.125%
HK$97,637
baseline
▲ 0.50% · 4.625%
HK$102,784
+HK$5,147/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,274/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,919
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,027
−HK$3,158/mo
Today · 4.125%
HK$106,185
baseline
▲ 0.50% · 4.625%
HK$112,646
+HK$6,461/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$212,370/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,551,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,159
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,140
−HK$3,025/mo
Today · 4.125%
HK$117,165
baseline
▲ 0.50% · 4.625%
HK$123,341
+HK$6,176/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$234,330/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,551,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,572
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$120,198
−HK$3,684/mo
Today · 4.125%
HK$123,882
baseline
▲ 0.50% · 4.625%
HK$131,420
+HK$7,538/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$247,764/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,551,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,686
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$133,164
−HK$3,528/mo
Today · 4.125%
HK$136,692
baseline
▲ 0.50% · 4.625%
HK$143,897
+HK$7,205/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$273,384/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,551,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,879
−HK$9,398/mo
▼ 0.25% · 3.875%
HK$154,541
−HK$4,736/mo
Today · 4.125%
HK$159,277
baseline
▲ 0.50% · 4.625%
HK$168,969
+HK$9,692/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$318,554/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,739
−HK$9,008/mo
▼ 0.25% · 3.875%
HK$171,210
−HK$4,537/mo
Today · 4.125%
HK$175,747
baseline
▲ 0.50% · 4.625%
HK$185,011
+HK$9,264/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$351,494/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,933 · Scale 2, in force from 26 Feb 2026)