LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,545
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,143
−HK$2,641/mo
Today · 4.125%
HK$88,784
baseline
▲ 0.50% · 4.625%
HK$94,186
+HK$5,402/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$177,568/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,943
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,435
−HK$2,529/mo
Today · 4.125%
HK$97,964
baseline
▲ 0.50% · 4.625%
HK$103,128
+HK$5,164/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$195,928/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,254
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,372
−HK$3,169/mo
Today · 4.125%
HK$106,541
baseline
▲ 0.50% · 4.625%
HK$113,023
+HK$6,482/mo
Deposit HK$14.66M · loan HK$21.98M · min. income ≈ HK$213,082/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,557,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,531
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,522
−HK$3,035/mo
Today · 4.125%
HK$117,557
baseline
▲ 0.50% · 4.625%
HK$123,754
+HK$6,197/mo
Deposit HK$14.66M · loan HK$21.98M · min. income ≈ HK$235,114/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,557,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,963
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$120,601
−HK$3,696/mo
Today · 4.125%
HK$124,297
baseline
▲ 0.50% · 4.625%
HK$131,860
+HK$7,563/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$248,594/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,120
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,610
−HK$3,540/mo
Today · 4.125%
HK$137,150
baseline
▲ 0.50% · 4.625%
HK$144,379
+HK$7,229/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$274,300/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,381
−HK$9,430/mo
▼ 0.25% · 3.875%
HK$155,058
−HK$4,753/mo
Today · 4.125%
HK$159,811
baseline
▲ 0.50% · 4.625%
HK$169,535
+HK$9,724/mo
Deposit HK$3.66M · loan HK$32.97M · min. income ≈ HK$319,622/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,297
−HK$9,038/mo
▼ 0.25% · 3.875%
HK$171,784
−HK$4,551/mo
Today · 4.125%
HK$176,335
baseline
▲ 0.50% · 4.625%
HK$185,630
+HK$9,295/mo
Deposit HK$3.66M · loan HK$32.97M · min. income ≈ HK$352,670/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,129 · Scale 2, in force from 26 Feb 2026)