LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,415
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,010
−HK$2,636/mo
Today · 4.125%
HK$88,646
baseline
▲ 0.50% · 4.625%
HK$94,040
+HK$5,394/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$177,292/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,554,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,799
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,288
−HK$2,524/mo
Today · 4.125%
HK$97,812
baseline
▲ 0.50% · 4.625%
HK$102,968
+HK$5,156/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$195,624/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,554,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,098
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$103,212
−HK$3,164/mo
Today · 4.125%
HK$106,376
baseline
▲ 0.50% · 4.625%
HK$112,848
+HK$6,472/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$212,752/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,359
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,345
−HK$3,030/mo
Today · 4.125%
HK$117,375
baseline
▲ 0.50% · 4.625%
HK$123,562
+HK$6,187/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$234,750/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,782
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$120,414
−HK$3,691/mo
Today · 4.125%
HK$124,105
baseline
▲ 0.50% · 4.625%
HK$131,656
+HK$7,551/mo
Deposit HK$10.97M · loan HK$25.61M · min. income ≈ HK$248,210/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,918
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$133,403
−HK$3,534/mo
Today · 4.125%
HK$136,937
baseline
▲ 0.50% · 4.625%
HK$144,156
+HK$7,219/mo
Deposit HK$10.97M · loan HK$25.61M · min. income ≈ HK$273,874/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,148
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$154,818
−HK$4,745/mo
Today · 4.125%
HK$159,563
baseline
▲ 0.50% · 4.625%
HK$169,272
+HK$9,709/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$319,126/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,038
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$171,518
−HK$4,544/mo
Today · 4.125%
HK$176,062
baseline
▲ 0.50% · 4.625%
HK$185,343
+HK$9,281/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$352,124/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,718 · Scale 2, in force from 26 Feb 2026)