LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,695
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,298
−HK$2,645/mo
Today · 4.125%
HK$88,943
baseline
▲ 0.50% · 4.625%
HK$94,355
+HK$5,412/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,886/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,109
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,607
−HK$2,533/mo
Today · 4.125%
HK$98,140
baseline
▲ 0.50% · 4.625%
HK$103,313
+HK$5,173/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,280/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,434
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,558
−HK$3,174/mo
Today · 4.125%
HK$106,732
baseline
▲ 0.50% · 4.625%
HK$113,226
+HK$6,494/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,464/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,731
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,728
−HK$3,040/mo
Today · 4.125%
HK$117,768
baseline
▲ 0.50% · 4.625%
HK$123,976
+HK$6,208/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,536/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,173
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,817
−HK$3,703/mo
Today · 4.125%
HK$124,520
baseline
▲ 0.50% · 4.625%
HK$132,097
+HK$7,577/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,040/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,353
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$133,849
−HK$3,547/mo
Today · 4.125%
HK$137,396
baseline
▲ 0.50% · 4.625%
HK$144,638
+HK$7,242/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,792/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,650
−HK$9,447/mo
▼ 0.25% · 3.875%
HK$155,336
−HK$4,761/mo
Today · 4.125%
HK$160,097
baseline
▲ 0.50% · 4.625%
HK$169,839
+HK$9,742/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,194/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,597
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$172,092
−HK$4,560/mo
Today · 4.125%
HK$176,652
baseline
▲ 0.50% · 4.625%
HK$185,963
+HK$9,311/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,304/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,923 · Scale 2, in force from 26 Feb 2026)