LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,876
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,485
−HK$2,650/mo
Today · 4.125%
HK$89,135
baseline
▲ 0.50% · 4.625%
HK$94,559
+HK$5,424/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,270/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,311
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,813
−HK$2,539/mo
Today · 4.125%
HK$98,352
baseline
▲ 0.50% · 4.625%
HK$103,536
+HK$5,184/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,704/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,651
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,781
−HK$3,181/mo
Today · 4.125%
HK$106,962
baseline
▲ 0.50% · 4.625%
HK$113,471
+HK$6,509/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,924/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,973
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,976
−HK$3,046/mo
Today · 4.125%
HK$118,022
baseline
▲ 0.50% · 4.625%
HK$124,243
+HK$6,221/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,044/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,426
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$121,078
−HK$3,711/mo
Today · 4.125%
HK$124,789
baseline
▲ 0.50% · 4.625%
HK$132,382
+HK$7,593/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,578/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,635
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,138
−HK$3,555/mo
Today · 4.125%
HK$137,693
baseline
▲ 0.50% · 4.625%
HK$144,951
+HK$7,258/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,386/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,976
−HK$9,467/mo
▼ 0.25% · 3.875%
HK$155,672
−HK$4,771/mo
Today · 4.125%
HK$160,443
baseline
▲ 0.50% · 4.625%
HK$170,206
+HK$9,763/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,886/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,959
−HK$9,074/mo
▼ 0.25% · 3.875%
HK$172,464
−HK$4,569/mo
Today · 4.125%
HK$177,033
baseline
▲ 0.50% · 4.625%
HK$186,365
+HK$9,332/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,066/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,293 · Scale 2, in force from 26 Feb 2026)