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$1,559,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,110
−HK$5,030/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$1,559,929 · 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$1,559,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,732
−HK$6,036/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$1,559,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,173
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$120,818
−HK$3,703/mo
Today · 4.125%
HK$124,521
baseline
▲ 0.50% · 4.625%
HK$132,098
+HK$7,577/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,042/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,354
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,850
−HK$3,546/mo
Today · 4.125%
HK$137,396
baseline
▲ 0.50% · 4.625%
HK$144,639
+HK$7,243/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$1,559,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,651
−HK$9,447/mo
▼ 0.25% · 3.875%
HK$155,337
−HK$4,761/mo
Today · 4.125%
HK$160,098
baseline
▲ 0.50% · 4.625%
HK$169,840
+HK$9,742/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,196/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,598
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$172,093
−HK$4,560/mo
Today · 4.125%
HK$176,653
baseline
▲ 0.50% · 4.625%
HK$185,964
+HK$9,311/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,306/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,929 · Scale 2, in force from 26 Feb 2026)