LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,314
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,905
−HK$2,633/mo
Today · 4.125%
HK$88,538
baseline
▲ 0.50% · 4.625%
HK$93,926
+HK$5,388/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,076/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,686
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,171
−HK$2,522/mo
Today · 4.125%
HK$97,693
baseline
▲ 0.50% · 4.625%
HK$102,843
+HK$5,150/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,386/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,976
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,086
−HK$3,160/mo
Today · 4.125%
HK$106,246
baseline
▲ 0.50% · 4.625%
HK$112,711
+HK$6,465/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$212,492/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,223
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,206
−HK$3,026/mo
Today · 4.125%
HK$117,232
baseline
▲ 0.50% · 4.625%
HK$123,411
+HK$6,179/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$234,464/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,639
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,267
−HK$3,686/mo
Today · 4.125%
HK$123,953
baseline
▲ 0.50% · 4.625%
HK$131,496
+HK$7,543/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,906/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,760
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$133,240
−HK$3,530/mo
Today · 4.125%
HK$136,770
baseline
▲ 0.50% · 4.625%
HK$143,980
+HK$7,210/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,540/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,965
−HK$9,404/mo
▼ 0.25% · 3.875%
HK$154,629
−HK$4,740/mo
Today · 4.125%
HK$159,369
baseline
▲ 0.50% · 4.625%
HK$169,066
+HK$9,697/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$318,738/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,834
−HK$9,014/mo
▼ 0.25% · 3.875%
HK$171,309
−HK$4,539/mo
Today · 4.125%
HK$175,848
baseline
▲ 0.50% · 4.625%
HK$185,117
+HK$9,269/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$351,696/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,822 · Scale 2, in force from 26 Feb 2026)