LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,950
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,561
−HK$2,653/mo
Today · 4.125%
HK$89,214
baseline
▲ 0.50% · 4.625%
HK$94,643
+HK$5,429/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$178,428/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,393
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,898
−HK$2,541/mo
Today · 4.125%
HK$98,439
baseline
▲ 0.50% · 4.625%
HK$103,628
+HK$5,189/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$196,878/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,740
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,873
−HK$3,184/mo
Today · 4.125%
HK$107,057
baseline
▲ 0.50% · 4.625%
HK$113,571
+HK$6,514/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$214,114/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,072
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,078
−HK$3,049/mo
Today · 4.125%
HK$118,127
baseline
▲ 0.50% · 4.625%
HK$124,353
+HK$6,226/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$236,254/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,530
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,185
−HK$3,715/mo
Today · 4.125%
HK$124,900
baseline
▲ 0.50% · 4.625%
HK$132,500
+HK$7,600/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$249,800/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,750
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,257
−HK$3,557/mo
Today · 4.125%
HK$137,814
baseline
▲ 0.50% · 4.625%
HK$145,079
+HK$7,265/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$275,628/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,109
−HK$9,476/mo
▼ 0.25% · 3.875%
HK$155,810
−HK$4,775/mo
Today · 4.125%
HK$160,585
baseline
▲ 0.50% · 4.625%
HK$170,357
+HK$9,772/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$321,170/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,108
−HK$9,082/mo
▼ 0.25% · 3.875%
HK$172,616
−HK$4,574/mo
Today · 4.125%
HK$177,190
baseline
▲ 0.50% · 4.625%
HK$186,530
+HK$9,340/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$354,380/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,676 · Scale 2, in force from 26 Feb 2026)