LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,500
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,097
−HK$2,639/mo
Today · 4.125%
HK$88,736
baseline
▲ 0.50% · 4.625%
HK$94,135
+HK$5,399/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$177,472/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,893
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,384
−HK$2,527/mo
Today · 4.125%
HK$97,911
baseline
▲ 0.50% · 4.625%
HK$103,072
+HK$5,161/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$195,822/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,200
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,317
−HK$3,166/mo
Today · 4.125%
HK$106,483
baseline
▲ 0.50% · 4.625%
HK$112,962
+HK$6,479/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$212,966/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,471
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,461
−HK$3,033/mo
Today · 4.125%
HK$117,494
baseline
▲ 0.50% · 4.625%
HK$123,687
+HK$6,193/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$234,988/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,900
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,536
−HK$3,694/mo
Today · 4.125%
HK$124,230
baseline
▲ 0.50% · 4.625%
HK$131,789
+HK$7,559/mo
Deposit HK$10.99M · loan HK$25.63M · min. income ≈ HK$248,460/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,050
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,538
−HK$3,538/mo
Today · 4.125%
HK$137,076
baseline
▲ 0.50% · 4.625%
HK$144,301
+HK$7,225/mo
Deposit HK$10.99M · loan HK$25.63M · min. income ≈ HK$274,152/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,300
−HK$9,425/mo
▼ 0.25% · 3.875%
HK$154,975
−HK$4,750/mo
Today · 4.125%
HK$159,725
baseline
▲ 0.50% · 4.625%
HK$169,444
+HK$9,719/mo
Deposit HK$3.66M · loan HK$32.96M · min. income ≈ HK$319,450/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,207
−HK$9,034/mo
▼ 0.25% · 3.875%
HK$171,691
−HK$4,550/mo
Today · 4.125%
HK$176,241
baseline
▲ 0.50% · 4.625%
HK$185,530
+HK$9,289/mo
Deposit HK$3.66M · loan HK$32.96M · min. income ≈ HK$352,482/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,291 · Scale 2, in force from 26 Feb 2026)