LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,855
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,464
−HK$2,650/mo
Today · 4.125%
HK$89,114
baseline
▲ 0.50% · 4.625%
HK$94,536
+HK$5,422/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,228/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,562,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,288
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,790
−HK$2,538/mo
Today · 4.125%
HK$98,328
baseline
▲ 0.50% · 4.625%
HK$103,511
+HK$5,183/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,656/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,562,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,627
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,757
−HK$3,180/mo
Today · 4.125%
HK$106,937
baseline
▲ 0.50% · 4.625%
HK$113,444
+HK$6,507/mo
Deposit HK$14.71M · loan HK$22.06M · min. income ≈ HK$213,874/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,946
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,948
−HK$3,046/mo
Today · 4.125%
HK$117,994
baseline
▲ 0.50% · 4.625%
HK$124,214
+HK$6,220/mo
Deposit HK$14.71M · loan HK$22.06M · min. income ≈ HK$235,988/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,398
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,049
−HK$3,711/mo
Today · 4.125%
HK$124,760
baseline
▲ 0.50% · 4.625%
HK$132,351
+HK$7,591/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$249,520/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,562,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,604
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$134,106
−HK$3,554/mo
Today · 4.125%
HK$137,660
baseline
▲ 0.50% · 4.625%
HK$144,916
+HK$7,256/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$275,320/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,562,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,940
−HK$9,465/mo
▼ 0.25% · 3.875%
HK$155,635
−HK$4,770/mo
Today · 4.125%
HK$160,405
baseline
▲ 0.50% · 4.625%
HK$170,165
+HK$9,760/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$320,810/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,919
−HK$9,072/mo
▼ 0.25% · 3.875%
HK$172,423
−HK$4,568/mo
Today · 4.125%
HK$176,991
baseline
▲ 0.50% · 4.625%
HK$186,321
+HK$9,330/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$353,982/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,920 · Scale 2, in force from 26 Feb 2026)