LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,802
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,409
−HK$2,648/mo
Today · 4.125%
HK$89,057
baseline
▲ 0.50% · 4.625%
HK$94,476
+HK$5,419/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$178,114/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,229
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,729
−HK$2,537/mo
Today · 4.125%
HK$98,266
baseline
▲ 0.50% · 4.625%
HK$103,445
+HK$5,179/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$196,532/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,562
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,690
−HK$3,178/mo
Today · 4.125%
HK$106,868
baseline
▲ 0.50% · 4.625%
HK$113,371
+HK$6,503/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$213,736/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,874
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,875
−HK$3,044/mo
Today · 4.125%
HK$117,919
baseline
▲ 0.50% · 4.625%
HK$124,134
+HK$6,215/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$235,838/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,323
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$120,972
−HK$3,708/mo
Today · 4.125%
HK$124,680
baseline
▲ 0.50% · 4.625%
HK$132,266
+HK$7,586/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$249,360/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,520
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$134,021
−HK$3,551/mo
Today · 4.125%
HK$137,572
baseline
▲ 0.50% · 4.625%
HK$144,823
+HK$7,251/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$275,144/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,843
−HK$9,460/mo
▼ 0.25% · 3.875%
HK$155,535
−HK$4,768/mo
Today · 4.125%
HK$160,303
baseline
▲ 0.50% · 4.625%
HK$170,057
+HK$9,754/mo
Deposit HK$3.68M · loan HK$33.08M · min. income ≈ HK$320,606/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,812
−HK$9,066/mo
▼ 0.25% · 3.875%
HK$172,312
−HK$4,566/mo
Today · 4.125%
HK$176,878
baseline
▲ 0.50% · 4.625%
HK$186,202
+HK$9,324/mo
Deposit HK$3.68M · loan HK$33.08M · min. income ≈ HK$353,756/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,921 · Scale 2, in force from 26 Feb 2026)