LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,302
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,893
−HK$2,632/mo
Today · 4.125%
HK$88,525
baseline
▲ 0.50% · 4.625%
HK$93,912
+HK$5,387/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,050/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,672
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,158
−HK$2,521/mo
Today · 4.125%
HK$97,679
baseline
▲ 0.50% · 4.625%
HK$102,828
+HK$5,149/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,358/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,962
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,071
−HK$3,160/mo
Today · 4.125%
HK$106,231
baseline
▲ 0.50% · 4.625%
HK$112,694
+HK$6,463/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$212,462/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,207
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,189
−HK$3,026/mo
Today · 4.125%
HK$117,215
baseline
▲ 0.50% · 4.625%
HK$123,394
+HK$6,179/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$234,430/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,622
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,250
−HK$3,686/mo
Today · 4.125%
HK$123,936
baseline
▲ 0.50% · 4.625%
HK$131,477
+HK$7,541/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$247,872/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,741
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$133,221
−HK$3,530/mo
Today · 4.125%
HK$136,751
baseline
▲ 0.50% · 4.625%
HK$143,959
+HK$7,208/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$273,502/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,943
−HK$9,403/mo
▼ 0.25% · 3.875%
HK$154,607
−HK$4,739/mo
Today · 4.125%
HK$159,346
baseline
▲ 0.50% · 4.625%
HK$169,042
+HK$9,696/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$318,692/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,810
−HK$9,012/mo
▼ 0.25% · 3.875%
HK$171,284
−HK$4,538/mo
Today · 4.125%
HK$175,822
baseline
▲ 0.50% · 4.625%
HK$185,090
+HK$9,268/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$351,644/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,599 · Scale 2, in force from 26 Feb 2026)