LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,881
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,490
−HK$2,651/mo
Today · 4.125%
HK$89,141
baseline
▲ 0.50% · 4.625%
HK$94,565
+HK$5,424/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,282/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,317
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,820
−HK$2,539/mo
Today · 4.125%
HK$98,359
baseline
▲ 0.50% · 4.625%
HK$103,543
+HK$5,184/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,718/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,657
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,788
−HK$3,181/mo
Today · 4.125%
HK$106,969
baseline
▲ 0.50% · 4.625%
HK$113,478
+HK$6,509/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,938/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,980
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,984
−HK$3,046/mo
Today · 4.125%
HK$118,030
baseline
▲ 0.50% · 4.625%
HK$124,252
+HK$6,222/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,060/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,434
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,086
−HK$3,712/mo
Today · 4.125%
HK$124,798
baseline
▲ 0.50% · 4.625%
HK$132,391
+HK$7,593/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,596/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,644
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,148
−HK$3,554/mo
Today · 4.125%
HK$137,702
baseline
▲ 0.50% · 4.625%
HK$144,960
+HK$7,258/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,404/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,986
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$155,683
−HK$4,771/mo
Today · 4.125%
HK$160,454
baseline
▲ 0.50% · 4.625%
HK$170,217
+HK$9,763/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,908/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,971
−HK$9,074/mo
▼ 0.25% · 3.875%
HK$172,475
−HK$4,570/mo
Today · 4.125%
HK$177,045
baseline
▲ 0.50% · 4.625%
HK$186,378
+HK$9,333/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,090/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,399 · Scale 2, in force from 26 Feb 2026)