LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,969
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,580
−HK$2,654/mo
Today · 4.125%
HK$89,234
baseline
▲ 0.50% · 4.625%
HK$94,664
+HK$5,430/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$178,468/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,414
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,920
−HK$2,541/mo
Today · 4.125%
HK$98,461
baseline
▲ 0.50% · 4.625%
HK$103,651
+HK$5,190/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$196,922/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,762
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,897
−HK$3,184/mo
Today · 4.125%
HK$107,081
baseline
▲ 0.50% · 4.625%
HK$113,597
+HK$6,516/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$214,162/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,097
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,103
−HK$3,050/mo
Today · 4.125%
HK$118,153
baseline
▲ 0.50% · 4.625%
HK$124,381
+HK$6,228/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$236,306/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,556
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,213
−HK$3,715/mo
Today · 4.125%
HK$124,928
baseline
▲ 0.50% · 4.625%
HK$132,529
+HK$7,601/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$249,856/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,780
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$134,287
−HK$3,559/mo
Today · 4.125%
HK$137,846
baseline
▲ 0.50% · 4.625%
HK$145,112
+HK$7,266/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$275,692/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,143
−HK$9,478/mo
▼ 0.25% · 3.875%
HK$155,845
−HK$4,776/mo
Today · 4.125%
HK$160,621
baseline
▲ 0.50% · 4.625%
HK$170,395
+HK$9,774/mo
Deposit HK$3.68M · loan HK$33.14M · min. income ≈ HK$321,242/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,146
−HK$9,084/mo
▼ 0.25% · 3.875%
HK$172,655
−HK$4,575/mo
Today · 4.125%
HK$177,230
baseline
▲ 0.50% · 4.625%
HK$186,572
+HK$9,342/mo
Deposit HK$3.68M · loan HK$33.14M · min. income ≈ HK$354,460/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,028 · Scale 2, in force from 26 Feb 2026)