LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,721
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,325
−HK$2,646/mo
Today · 4.125%
HK$88,971
baseline
▲ 0.50% · 4.625%
HK$94,385
+HK$5,414/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,942/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,139
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,637
−HK$2,534/mo
Today · 4.125%
HK$98,171
baseline
▲ 0.50% · 4.625%
HK$103,345
+HK$5,174/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,342/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,465
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,590
−HK$3,175/mo
Today · 4.125%
HK$106,765
baseline
▲ 0.50% · 4.625%
HK$113,262
+HK$6,497/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$213,530/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,766
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,764
−HK$3,041/mo
Today · 4.125%
HK$117,805
baseline
▲ 0.50% · 4.625%
HK$124,014
+HK$6,209/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$235,610/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,209
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,855
−HK$3,704/mo
Today · 4.125%
HK$124,559
baseline
▲ 0.50% · 4.625%
HK$132,138
+HK$7,579/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$249,118/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,394
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$133,891
−HK$3,548/mo
Today · 4.125%
HK$137,439
baseline
▲ 0.50% · 4.625%
HK$144,684
+HK$7,245/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$274,878/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,698
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$155,385
−HK$4,763/mo
Today · 4.125%
HK$160,148
baseline
▲ 0.50% · 4.625%
HK$169,892
+HK$9,744/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$320,296/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,650
−HK$9,057/mo
▼ 0.25% · 3.875%
HK$172,146
−HK$4,561/mo
Today · 4.125%
HK$176,707
baseline
▲ 0.50% · 4.625%
HK$186,022
+HK$9,315/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$353,414/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,412 · Scale 2, in force from 26 Feb 2026)