LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,893
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,503
−HK$2,651/mo
Today · 4.125%
HK$89,154
baseline
▲ 0.50% · 4.625%
HK$94,579
+HK$5,425/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$178,308/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,330
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,833
−HK$2,540/mo
Today · 4.125%
HK$98,373
baseline
▲ 0.50% · 4.625%
HK$103,558
+HK$5,185/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$196,746/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,672
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,803
−HK$3,182/mo
Today · 4.125%
HK$106,985
baseline
▲ 0.50% · 4.625%
HK$113,494
+HK$6,509/mo
Deposit HK$14.72M · loan HK$22.07M · min. income ≈ HK$213,970/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,996
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,000
−HK$3,047/mo
Today · 4.125%
HK$118,047
baseline
▲ 0.50% · 4.625%
HK$124,269
+HK$6,222/mo
Deposit HK$14.72M · loan HK$22.07M · min. income ≈ HK$236,094/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,450
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,104
−HK$3,711/mo
Today · 4.125%
HK$124,815
baseline
▲ 0.50% · 4.625%
HK$132,410
+HK$7,595/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,630/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,662
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$134,167
−HK$3,555/mo
Today · 4.125%
HK$137,722
baseline
▲ 0.50% · 4.625%
HK$144,981
+HK$7,259/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,444/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,008
−HK$9,469/mo
▼ 0.25% · 3.875%
HK$155,705
−HK$4,772/mo
Today · 4.125%
HK$160,477
baseline
▲ 0.50% · 4.625%
HK$170,242
+HK$9,765/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,954/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,994
−HK$9,077/mo
▼ 0.25% · 3.875%
HK$172,500
−HK$4,571/mo
Today · 4.125%
HK$177,071
baseline
▲ 0.50% · 4.625%
HK$186,404
+HK$9,333/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,142/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,621 · Scale 2, in force from 26 Feb 2026)