LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,950
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,562
−HK$2,653/mo
Today · 4.125%
HK$89,215
baseline
▲ 0.50% · 4.625%
HK$94,643
+HK$5,428/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$178,430/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,394
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,899
−HK$2,541/mo
Today · 4.125%
HK$98,440
baseline
▲ 0.50% · 4.625%
HK$103,629
+HK$5,189/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$196,880/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,741
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,874
−HK$3,184/mo
Today · 4.125%
HK$107,058
baseline
▲ 0.50% · 4.625%
HK$113,572
+HK$6,514/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$214,116/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,073
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,079
−HK$3,049/mo
Today · 4.125%
HK$118,128
baseline
▲ 0.50% · 4.625%
HK$124,355
+HK$6,227/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$236,256/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,531
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,187
−HK$3,714/mo
Today · 4.125%
HK$124,901
baseline
▲ 0.50% · 4.625%
HK$132,501
+HK$7,600/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$249,802/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,752
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,258
−HK$3,558/mo
Today · 4.125%
HK$137,816
baseline
▲ 0.50% · 4.625%
HK$145,080
+HK$7,264/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$275,632/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,111
−HK$9,476/mo
▼ 0.25% · 3.875%
HK$155,811
−HK$4,776/mo
Today · 4.125%
HK$160,587
baseline
▲ 0.50% · 4.625%
HK$170,358
+HK$9,771/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$321,174/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,109
−HK$9,083/mo
▼ 0.25% · 3.875%
HK$172,618
−HK$4,574/mo
Today · 4.125%
HK$177,192
baseline
▲ 0.50% · 4.625%
HK$186,532
+HK$9,340/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$354,384/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,691 · Scale 2, in force from 26 Feb 2026)