LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,414
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$86,008
−HK$2,636/mo
Today · 4.125%
HK$88,644
baseline
▲ 0.50% · 4.625%
HK$94,038
+HK$5,394/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$177,288/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,554,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,797
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,286
−HK$2,524/mo
Today · 4.125%
HK$97,810
baseline
▲ 0.50% · 4.625%
HK$102,966
+HK$5,156/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$195,620/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,554,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,096
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,210
−HK$3,163/mo
Today · 4.125%
HK$106,373
baseline
▲ 0.50% · 4.625%
HK$112,846
+HK$6,473/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$212,746/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,356
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$114,343
−HK$3,030/mo
Today · 4.125%
HK$117,373
baseline
▲ 0.50% · 4.625%
HK$123,559
+HK$6,186/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$234,746/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,779
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$120,412
−HK$3,690/mo
Today · 4.125%
HK$124,102
baseline
▲ 0.50% · 4.625%
HK$131,654
+HK$7,552/mo
Deposit HK$10.97M · loan HK$25.61M · min. income ≈ HK$248,204/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,916
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$133,400
−HK$3,535/mo
Today · 4.125%
HK$136,935
baseline
▲ 0.50% · 4.625%
HK$144,153
+HK$7,218/mo
Deposit HK$10.97M · loan HK$25.61M · min. income ≈ HK$273,870/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,145
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$154,815
−HK$4,745/mo
Today · 4.125%
HK$159,560
baseline
▲ 0.50% · 4.625%
HK$169,269
+HK$9,709/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$319,120/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,034
−HK$9,025/mo
▼ 0.25% · 3.875%
HK$171,514
−HK$4,545/mo
Today · 4.125%
HK$176,059
baseline
▲ 0.50% · 4.625%
HK$185,339
+HK$9,280/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$352,118/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,686 · Scale 2, in force from 26 Feb 2026)