LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,400
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,994
−HK$2,636/mo
Today · 4.125%
HK$88,630
baseline
▲ 0.50% · 4.625%
HK$94,023
+HK$5,393/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$177,260/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,782
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,270
−HK$2,525/mo
Today · 4.125%
HK$97,795
baseline
▲ 0.50% · 4.625%
HK$102,950
+HK$5,155/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$195,590/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,080
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,193
−HK$3,163/mo
Today · 4.125%
HK$106,356
baseline
▲ 0.50% · 4.625%
HK$112,828
+HK$6,472/mo
Deposit HK$14.63M · loan HK$21.94M · min. income ≈ HK$212,712/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,554,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,338
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,324
−HK$3,030/mo
Today · 4.125%
HK$117,354
baseline
▲ 0.50% · 4.625%
HK$123,539
+HK$6,185/mo
Deposit HK$14.63M · loan HK$21.94M · min. income ≈ HK$234,708/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,554,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,760
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$120,392
−HK$3,690/mo
Today · 4.125%
HK$124,082
baseline
▲ 0.50% · 4.625%
HK$131,632
+HK$7,550/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$248,164/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,895
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,378
−HK$3,535/mo
Today · 4.125%
HK$136,913
baseline
▲ 0.50% · 4.625%
HK$144,129
+HK$7,216/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$273,826/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,120
−HK$9,414/mo
▼ 0.25% · 3.875%
HK$154,790
−HK$4,744/mo
Today · 4.125%
HK$159,534
baseline
▲ 0.50% · 4.625%
HK$169,242
+HK$9,708/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$319,068/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,008
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$171,487
−HK$4,543/mo
Today · 4.125%
HK$176,030
baseline
▲ 0.50% · 4.625%
HK$185,309
+HK$9,279/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$352,060/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,436 · Scale 2, in force from 26 Feb 2026)