LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,860
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,469
−HK$2,650/mo
Today · 4.125%
HK$89,119
baseline
▲ 0.50% · 4.625%
HK$94,542
+HK$5,423/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,238/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,294
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,796
−HK$2,538/mo
Today · 4.125%
HK$98,334
baseline
▲ 0.50% · 4.625%
HK$103,518
+HK$5,184/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,668/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,633
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,763
−HK$3,180/mo
Today · 4.125%
HK$106,943
baseline
▲ 0.50% · 4.625%
HK$113,450
+HK$6,507/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,886/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,563,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,953
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,955
−HK$3,046/mo
Today · 4.125%
HK$118,001
baseline
▲ 0.50% · 4.625%
HK$124,221
+HK$6,220/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,002/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,563,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,405
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,057
−HK$3,710/mo
Today · 4.125%
HK$124,767
baseline
▲ 0.50% · 4.625%
HK$132,359
+HK$7,592/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$249,534/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,611
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,114
−HK$3,554/mo
Today · 4.125%
HK$137,668
baseline
▲ 0.50% · 4.625%
HK$144,925
+HK$7,257/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$275,336/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,949
−HK$9,466/mo
▼ 0.25% · 3.875%
HK$155,644
−HK$4,771/mo
Today · 4.125%
HK$160,415
baseline
▲ 0.50% · 4.625%
HK$170,176
+HK$9,761/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$320,830/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,929
−HK$9,073/mo
▼ 0.25% · 3.875%
HK$172,433
−HK$4,569/mo
Today · 4.125%
HK$177,002
baseline
▲ 0.50% · 4.625%
HK$186,332
+HK$9,330/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$354,004/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,013 · Scale 2, in force from 26 Feb 2026)