LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,847
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,455
−HK$2,650/mo
Today · 4.125%
HK$89,105
baseline
▲ 0.50% · 4.625%
HK$94,526
+HK$5,421/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,210/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,562,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,279
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,780
−HK$2,538/mo
Today · 4.125%
HK$98,318
baseline
▲ 0.50% · 4.625%
HK$103,501
+HK$5,183/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,636/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,562,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,616
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,746
−HK$3,180/mo
Today · 4.125%
HK$106,926
baseline
▲ 0.50% · 4.625%
HK$113,432
+HK$6,506/mo
Deposit HK$14.71M · loan HK$22.06M · min. income ≈ HK$213,852/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,934
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,936
−HK$3,046/mo
Today · 4.125%
HK$117,982
baseline
▲ 0.50% · 4.625%
HK$124,201
+HK$6,219/mo
Deposit HK$14.71M · loan HK$22.06M · min. income ≈ HK$235,964/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,385
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,037
−HK$3,710/mo
Today · 4.125%
HK$124,747
baseline
▲ 0.50% · 4.625%
HK$132,337
+HK$7,590/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$249,494/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,590
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$134,092
−HK$3,553/mo
Today · 4.125%
HK$137,645
baseline
▲ 0.50% · 4.625%
HK$144,901
+HK$7,256/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$275,290/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,924
−HK$9,464/mo
▼ 0.25% · 3.875%
HK$155,619
−HK$4,769/mo
Today · 4.125%
HK$160,388
baseline
▲ 0.50% · 4.625%
HK$170,148
+HK$9,760/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$320,776/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,902
−HK$9,071/mo
▼ 0.25% · 3.875%
HK$172,405
−HK$4,568/mo
Today · 4.125%
HK$176,973
baseline
▲ 0.50% · 4.625%
HK$186,301
+HK$9,328/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$353,946/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,757 · Scale 2, in force from 26 Feb 2026)