LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,819
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,426
−HK$2,649/mo
Today · 4.125%
HK$89,075
baseline
▲ 0.50% · 4.625%
HK$94,495
+HK$5,420/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$178,150/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,247
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,748
−HK$2,537/mo
Today · 4.125%
HK$98,285
baseline
▲ 0.50% · 4.625%
HK$103,466
+HK$5,181/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$196,570/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,582
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,711
−HK$3,179/mo
Today · 4.125%
HK$106,890
baseline
▲ 0.50% · 4.625%
HK$113,394
+HK$6,504/mo
Deposit HK$14.70M · loan HK$22.06M · min. income ≈ HK$213,780/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,897
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,898
−HK$3,044/mo
Today · 4.125%
HK$117,942
baseline
▲ 0.50% · 4.625%
HK$124,159
+HK$6,217/mo
Deposit HK$14.70M · loan HK$22.06M · min. income ≈ HK$235,884/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,346
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$120,996
−HK$3,709/mo
Today · 4.125%
HK$124,705
baseline
▲ 0.50% · 4.625%
HK$132,293
+HK$7,588/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$249,410/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,546
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$134,047
−HK$3,552/mo
Today · 4.125%
HK$137,599
baseline
▲ 0.50% · 4.625%
HK$144,852
+HK$7,253/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$275,198/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,873
−HK$9,461/mo
▼ 0.25% · 3.875%
HK$155,566
−HK$4,768/mo
Today · 4.125%
HK$160,334
baseline
▲ 0.50% · 4.625%
HK$170,090
+HK$9,756/mo
Deposit HK$3.68M · loan HK$33.08M · min. income ≈ HK$320,668/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,845
−HK$9,068/mo
▼ 0.25% · 3.875%
HK$172,347
−HK$4,566/mo
Today · 4.125%
HK$176,913
baseline
▲ 0.50% · 4.625%
HK$186,239
+HK$9,326/mo
Deposit HK$3.68M · loan HK$33.08M · min. income ≈ HK$353,826/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,232 · Scale 2, in force from 26 Feb 2026)