LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,691
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,294
−HK$2,645/mo
Today · 4.125%
HK$88,939
baseline
▲ 0.50% · 4.625%
HK$94,350
+HK$5,411/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,878/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,105
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,602
−HK$2,533/mo
Today · 4.125%
HK$98,135
baseline
▲ 0.50% · 4.625%
HK$103,308
+HK$5,173/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,270/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,429
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,553
−HK$3,173/mo
Today · 4.125%
HK$106,726
baseline
▲ 0.50% · 4.625%
HK$113,221
+HK$6,495/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,452/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,726
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,722
−HK$3,040/mo
Today · 4.125%
HK$117,762
baseline
▲ 0.50% · 4.625%
HK$123,970
+HK$6,208/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,524/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,167
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,811
−HK$3,703/mo
Today · 4.125%
HK$124,514
baseline
▲ 0.50% · 4.625%
HK$132,091
+HK$7,577/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,028/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,347
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,843
−HK$3,546/mo
Today · 4.125%
HK$137,389
baseline
▲ 0.50% · 4.625%
HK$144,631
+HK$7,242/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,778/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,643
−HK$9,447/mo
▼ 0.25% · 3.875%
HK$155,329
−HK$4,761/mo
Today · 4.125%
HK$160,090
baseline
▲ 0.50% · 4.625%
HK$169,831
+HK$9,741/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,180/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,589
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$172,084
−HK$4,559/mo
Today · 4.125%
HK$176,643
baseline
▲ 0.50% · 4.625%
HK$185,954
+HK$9,311/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,286/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,847 · Scale 2, in force from 26 Feb 2026)