LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,306
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,897
−HK$2,633/mo
Today · 4.125%
HK$88,530
baseline
▲ 0.50% · 4.625%
HK$93,917
+HK$5,387/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,060/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,677
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,163
−HK$2,521/mo
Today · 4.125%
HK$97,684
baseline
▲ 0.50% · 4.625%
HK$102,833
+HK$5,149/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,368/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,967
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,077
−HK$3,159/mo
Today · 4.125%
HK$106,236
baseline
▲ 0.50% · 4.625%
HK$112,700
+HK$6,464/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$212,472/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,212
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,195
−HK$3,026/mo
Today · 4.125%
HK$117,221
baseline
▲ 0.50% · 4.625%
HK$123,400
+HK$6,179/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$234,442/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,628
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,256
−HK$3,686/mo
Today · 4.125%
HK$123,942
baseline
▲ 0.50% · 4.625%
HK$131,484
+HK$7,542/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$247,884/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,748
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$133,228
−HK$3,530/mo
Today · 4.125%
HK$136,758
baseline
▲ 0.50% · 4.625%
HK$143,966
+HK$7,208/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$273,516/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,951
−HK$9,403/mo
▼ 0.25% · 3.875%
HK$154,615
−HK$4,739/mo
Today · 4.125%
HK$159,354
baseline
▲ 0.50% · 4.625%
HK$169,050
+HK$9,696/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$318,708/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,819
−HK$9,012/mo
▼ 0.25% · 3.875%
HK$171,293
−HK$4,538/mo
Today · 4.125%
HK$175,831
baseline
▲ 0.50% · 4.625%
HK$185,100
+HK$9,269/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$351,662/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,679 · Scale 2, in force from 26 Feb 2026)