LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,724
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,328
−HK$2,646/mo
Today · 4.125%
HK$88,974
baseline
▲ 0.50% · 4.625%
HK$94,388
+HK$5,414/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,948/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,142
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,640
−HK$2,534/mo
Today · 4.125%
HK$98,174
baseline
▲ 0.50% · 4.625%
HK$103,349
+HK$5,175/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,348/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,469
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,594
−HK$3,175/mo
Today · 4.125%
HK$106,769
baseline
▲ 0.50% · 4.625%
HK$113,266
+HK$6,497/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$213,538/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,771
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,768
−HK$3,041/mo
Today · 4.125%
HK$117,809
baseline
▲ 0.50% · 4.625%
HK$124,019
+HK$6,210/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$235,618/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,214
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,860
−HK$3,704/mo
Today · 4.125%
HK$124,564
baseline
▲ 0.50% · 4.625%
HK$132,143
+HK$7,579/mo
Deposit HK$11.02M · loan HK$25.70M · min. income ≈ HK$249,128/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,399
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$133,896
−HK$3,548/mo
Today · 4.125%
HK$137,444
baseline
▲ 0.50% · 4.625%
HK$144,689
+HK$7,245/mo
Deposit HK$11.02M · loan HK$25.70M · min. income ≈ HK$274,888/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,703
−HK$9,451/mo
▼ 0.25% · 3.875%
HK$155,391
−HK$4,763/mo
Today · 4.125%
HK$160,154
baseline
▲ 0.50% · 4.625%
HK$169,899
+HK$9,745/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$320,308/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,656
−HK$9,058/mo
▼ 0.25% · 3.875%
HK$172,152
−HK$4,562/mo
Today · 4.125%
HK$176,714
baseline
▲ 0.50% · 4.625%
HK$186,029
+HK$9,315/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$353,428/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,470 · Scale 2, in force from 26 Feb 2026)