LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,561
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,160
−HK$2,641/mo
Today · 4.125%
HK$88,801
baseline
▲ 0.50% · 4.625%
HK$94,204
+HK$5,403/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$177,602/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,961
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,454
−HK$2,529/mo
Today · 4.125%
HK$97,983
baseline
▲ 0.50% · 4.625%
HK$103,148
+HK$5,165/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$195,966/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,273
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,392
−HK$3,169/mo
Today · 4.125%
HK$106,561
baseline
▲ 0.50% · 4.625%
HK$113,045
+HK$6,484/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$213,122/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,553
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,545
−HK$3,035/mo
Today · 4.125%
HK$117,580
baseline
▲ 0.50% · 4.625%
HK$123,778
+HK$6,198/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$235,160/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,985
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,624
−HK$3,697/mo
Today · 4.125%
HK$124,321
baseline
▲ 0.50% · 4.625%
HK$131,886
+HK$7,565/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$248,642/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,145
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,635
−HK$3,541/mo
Today · 4.125%
HK$137,176
baseline
▲ 0.50% · 4.625%
HK$144,407
+HK$7,231/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$274,352/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,410
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$155,088
−HK$4,754/mo
Today · 4.125%
HK$159,842
baseline
▲ 0.50% · 4.625%
HK$169,568
+HK$9,726/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$319,684/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,329
−HK$9,041/mo
▼ 0.25% · 3.875%
HK$171,817
−HK$4,553/mo
Today · 4.125%
HK$176,370
baseline
▲ 0.50% · 4.625%
HK$185,666
+HK$9,296/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$352,740/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,431 · Scale 2, in force from 26 Feb 2026)