LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,701
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,304
−HK$2,645/mo
Today · 4.125%
HK$88,949
baseline
▲ 0.50% · 4.625%
HK$94,362
+HK$5,413/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,898/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,560,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,116
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,613
−HK$2,534/mo
Today · 4.125%
HK$98,147
baseline
▲ 0.50% · 4.625%
HK$103,320
+HK$5,173/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,294/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,560,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,441
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,565
−HK$3,174/mo
Today · 4.125%
HK$106,739
baseline
▲ 0.50% · 4.625%
HK$113,234
+HK$6,495/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,478/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,739
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,736
−HK$3,040/mo
Today · 4.125%
HK$117,776
baseline
▲ 0.50% · 4.625%
HK$123,984
+HK$6,208/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,552/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,181
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$120,826
−HK$3,703/mo
Today · 4.125%
HK$124,529
baseline
▲ 0.50% · 4.625%
HK$132,106
+HK$7,577/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,058/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,362
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$133,859
−HK$3,546/mo
Today · 4.125%
HK$137,405
baseline
▲ 0.50% · 4.625%
HK$144,648
+HK$7,243/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,810/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,661
−HK$9,448/mo
▼ 0.25% · 3.875%
HK$155,347
−HK$4,762/mo
Today · 4.125%
HK$160,109
baseline
▲ 0.50% · 4.625%
HK$169,851
+HK$9,742/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$320,218/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,609
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$172,104
−HK$4,560/mo
Today · 4.125%
HK$176,664
baseline
▲ 0.50% · 4.625%
HK$185,976
+HK$9,312/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$353,328/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,032 · Scale 2, in force from 26 Feb 2026)