LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,868
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,476
−HK$2,651/mo
Today · 4.125%
HK$89,127
baseline
▲ 0.50% · 4.625%
HK$94,550
+HK$5,423/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,254/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,302
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,804
−HK$2,539/mo
Today · 4.125%
HK$98,343
baseline
▲ 0.50% · 4.625%
HK$103,526
+HK$5,183/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,686/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,641
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,772
−HK$3,180/mo
Today · 4.125%
HK$106,952
baseline
▲ 0.50% · 4.625%
HK$113,460
+HK$6,508/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,904/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,962
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,965
−HK$3,046/mo
Today · 4.125%
HK$118,011
baseline
▲ 0.50% · 4.625%
HK$124,232
+HK$6,221/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,022/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,415
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$121,067
−HK$3,711/mo
Today · 4.125%
HK$124,778
baseline
▲ 0.50% · 4.625%
HK$132,370
+HK$7,592/mo
Deposit HK$11.03M · loan HK$25.75M · min. income ≈ HK$249,556/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,623
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,126
−HK$3,554/mo
Today · 4.125%
HK$137,680
baseline
▲ 0.50% · 4.625%
HK$144,937
+HK$7,257/mo
Deposit HK$11.03M · loan HK$25.75M · min. income ≈ HK$275,360/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,962
−HK$9,466/mo
▼ 0.25% · 3.875%
HK$155,657
−HK$4,771/mo
Today · 4.125%
HK$160,428
baseline
▲ 0.50% · 4.625%
HK$170,190
+HK$9,762/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$320,856/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,943
−HK$9,074/mo
▼ 0.25% · 3.875%
HK$172,447
−HK$4,570/mo
Today · 4.125%
HK$177,017
baseline
▲ 0.50% · 4.625%
HK$186,348
+HK$9,331/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$354,034/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,146 · Scale 2, in force from 26 Feb 2026)