LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,355
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,948
−HK$2,634/mo
Today · 4.125%
HK$88,582
baseline
▲ 0.50% · 4.625%
HK$93,972
+HK$5,390/mo
Deposit HK$18.28M · loan HK$18.28M · min. income ≈ HK$177,164/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,732
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,219
−HK$2,523/mo
Today · 4.125%
HK$97,742
baseline
▲ 0.50% · 4.625%
HK$102,894
+HK$5,152/mo
Deposit HK$18.28M · loan HK$18.28M · min. income ≈ HK$195,484/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,026
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,137
−HK$3,162/mo
Today · 4.125%
HK$106,299
baseline
▲ 0.50% · 4.625%
HK$112,767
+HK$6,468/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$212,598/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,553,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,278
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,262
−HK$3,028/mo
Today · 4.125%
HK$117,290
baseline
▲ 0.50% · 4.625%
HK$123,472
+HK$6,182/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$234,580/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,553,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,697
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$120,327
−HK$3,688/mo
Today · 4.125%
HK$124,015
baseline
▲ 0.50% · 4.625%
HK$131,561
+HK$7,546/mo
Deposit HK$10.97M · loan HK$25.59M · min. income ≈ HK$248,030/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,824
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$133,306
−HK$3,532/mo
Today · 4.125%
HK$136,838
baseline
▲ 0.50% · 4.625%
HK$144,051
+HK$7,213/mo
Deposit HK$10.97M · loan HK$25.59M · min. income ≈ HK$273,676/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,039
−HK$9,409/mo
▼ 0.25% · 3.875%
HK$154,706
−HK$4,742/mo
Today · 4.125%
HK$159,448
baseline
▲ 0.50% · 4.625%
HK$169,150
+HK$9,702/mo
Deposit HK$3.66M · loan HK$32.90M · min. income ≈ HK$318,896/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,917
−HK$9,018/mo
▼ 0.25% · 3.875%
HK$171,394
−HK$4,541/mo
Today · 4.125%
HK$175,935
baseline
▲ 0.50% · 4.625%
HK$185,209
+HK$9,274/mo
Deposit HK$3.66M · loan HK$32.90M · min. income ≈ HK$351,870/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,593 · Scale 2, in force from 26 Feb 2026)