LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,319
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,911
−HK$2,633/mo
Today · 4.125%
HK$88,544
baseline
▲ 0.50% · 4.625%
HK$93,932
+HK$5,388/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,088/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,692
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,178
−HK$2,522/mo
Today · 4.125%
HK$97,700
baseline
▲ 0.50% · 4.625%
HK$102,850
+HK$5,150/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,400/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,983
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,093
−HK$3,160/mo
Today · 4.125%
HK$106,253
baseline
▲ 0.50% · 4.625%
HK$112,718
+HK$6,465/mo
Deposit HK$14.62M · loan HK$21.92M · min. income ≈ HK$212,506/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,230
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,214
−HK$3,026/mo
Today · 4.125%
HK$117,240
baseline
▲ 0.50% · 4.625%
HK$123,420
+HK$6,180/mo
Deposit HK$14.62M · loan HK$21.92M · min. income ≈ HK$234,480/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,647
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$120,276
−HK$3,686/mo
Today · 4.125%
HK$123,962
baseline
▲ 0.50% · 4.625%
HK$131,505
+HK$7,543/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,924/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,769
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,249
−HK$3,531/mo
Today · 4.125%
HK$136,780
baseline
▲ 0.50% · 4.625%
HK$143,990
+HK$7,210/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,560/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,975
−HK$9,405/mo
▼ 0.25% · 3.875%
HK$154,640
−HK$4,740/mo
Today · 4.125%
HK$159,380
baseline
▲ 0.50% · 4.625%
HK$169,078
+HK$9,698/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$318,760/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,846
−HK$9,014/mo
▼ 0.25% · 3.875%
HK$171,320
−HK$4,540/mo
Today · 4.125%
HK$175,860
baseline
▲ 0.50% · 4.625%
HK$185,130
+HK$9,270/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$351,720/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,930 · Scale 2, in force from 26 Feb 2026)