LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,788
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,394
−HK$2,648/mo
Today · 4.125%
HK$89,042
baseline
▲ 0.50% · 4.625%
HK$94,460
+HK$5,418/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$178,084/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,213
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,713
−HK$2,536/mo
Today · 4.125%
HK$98,249
baseline
▲ 0.50% · 4.625%
HK$103,428
+HK$5,179/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$196,498/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,545
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,673
−HK$3,177/mo
Today · 4.125%
HK$106,850
baseline
▲ 0.50% · 4.625%
HK$113,352
+HK$6,502/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$213,700/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,855
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,855
−HK$3,044/mo
Today · 4.125%
HK$117,899
baseline
▲ 0.50% · 4.625%
HK$124,113
+HK$6,214/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$235,798/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,303
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$120,951
−HK$3,707/mo
Today · 4.125%
HK$124,658
baseline
▲ 0.50% · 4.625%
HK$132,244
+HK$7,586/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$249,316/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,561,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,498
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$133,998
−HK$3,550/mo
Today · 4.125%
HK$137,548
baseline
▲ 0.50% · 4.625%
HK$144,799
+HK$7,251/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$275,096/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,561,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,818
−HK$9,457/mo
▼ 0.25% · 3.875%
HK$155,509
−HK$4,766/mo
Today · 4.125%
HK$160,275
baseline
▲ 0.50% · 4.625%
HK$170,028
+HK$9,753/mo
Deposit HK$3.67M · loan HK$33.07M · min. income ≈ HK$320,550/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,783
−HK$9,065/mo
▼ 0.25% · 3.875%
HK$172,283
−HK$4,565/mo
Today · 4.125%
HK$176,848
baseline
▲ 0.50% · 4.625%
HK$186,170
+HK$9,322/mo
Deposit HK$3.67M · loan HK$33.07M · min. income ≈ HK$353,696/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,654 · Scale 2, in force from 26 Feb 2026)