LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,902
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,512
−HK$2,652/mo
Today · 4.125%
HK$89,164
baseline
▲ 0.50% · 4.625%
HK$94,589
+HK$5,425/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$178,328/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,340
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,844
−HK$2,539/mo
Today · 4.125%
HK$98,383
baseline
▲ 0.50% · 4.625%
HK$103,569
+HK$5,186/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$196,766/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,683
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,814
−HK$3,182/mo
Today · 4.125%
HK$106,996
baseline
▲ 0.50% · 4.625%
HK$113,507
+HK$6,511/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$213,992/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,008
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,012
−HK$3,048/mo
Today · 4.125%
HK$118,060
baseline
▲ 0.50% · 4.625%
HK$124,283
+HK$6,223/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$236,120/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,463
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$121,117
−HK$3,712/mo
Today · 4.125%
HK$124,829
baseline
▲ 0.50% · 4.625%
HK$132,425
+HK$7,596/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$249,658/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,677
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$134,181
−HK$3,556/mo
Today · 4.125%
HK$137,737
baseline
▲ 0.50% · 4.625%
HK$144,997
+HK$7,260/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$275,474/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,024
−HK$9,471/mo
▼ 0.25% · 3.875%
HK$155,722
−HK$4,773/mo
Today · 4.125%
HK$160,495
baseline
▲ 0.50% · 4.625%
HK$170,260
+HK$9,765/mo
Deposit HK$3.68M · loan HK$33.12M · min. income ≈ HK$320,990/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,013
−HK$9,077/mo
▼ 0.25% · 3.875%
HK$172,519
−HK$4,571/mo
Today · 4.125%
HK$177,090
baseline
▲ 0.50% · 4.625%
HK$186,425
+HK$9,335/mo
Deposit HK$3.68M · loan HK$33.12M · min. income ≈ HK$354,180/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,791 · Scale 2, in force from 26 Feb 2026)