LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,477
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,073
−HK$2,638/mo
Today · 4.125%
HK$88,711
baseline
▲ 0.50% · 4.625%
HK$94,109
+HK$5,398/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$177,422/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,867
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,358
−HK$2,526/mo
Today · 4.125%
HK$97,884
baseline
▲ 0.50% · 4.625%
HK$103,044
+HK$5,160/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$195,768/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,172
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,288
−HK$3,166/mo
Today · 4.125%
HK$106,454
baseline
▲ 0.50% · 4.625%
HK$112,931
+HK$6,477/mo
Deposit HK$14.64M · loan HK$21.97M · min. income ≈ HK$212,908/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,440
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,429
−HK$3,032/mo
Today · 4.125%
HK$117,461
baseline
▲ 0.50% · 4.625%
HK$123,653
+HK$6,192/mo
Deposit HK$14.64M · loan HK$21.97M · min. income ≈ HK$234,922/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,867
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$120,503
−HK$3,693/mo
Today · 4.125%
HK$124,196
baseline
▲ 0.50% · 4.625%
HK$131,753
+HK$7,557/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$248,392/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,014
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,501
−HK$3,537/mo
Today · 4.125%
HK$137,038
baseline
▲ 0.50% · 4.625%
HK$144,262
+HK$7,224/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$274,076/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,258
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$154,932
−HK$4,749/mo
Today · 4.125%
HK$159,681
baseline
▲ 0.50% · 4.625%
HK$169,397
+HK$9,716/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$319,362/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,161
−HK$9,031/mo
▼ 0.25% · 3.875%
HK$171,644
−HK$4,548/mo
Today · 4.125%
HK$176,192
baseline
▲ 0.50% · 4.625%
HK$185,479
+HK$9,287/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$352,384/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,861 · Scale 2, in force from 26 Feb 2026)