LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,982
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,594
−HK$2,654/mo
Today · 4.125%
HK$89,248
baseline
▲ 0.50% · 4.625%
HK$94,679
+HK$5,431/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$178,496/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,429
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,935
−HK$2,542/mo
Today · 4.125%
HK$98,477
baseline
▲ 0.50% · 4.625%
HK$103,668
+HK$5,191/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$196,954/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,778
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,913
−HK$3,185/mo
Today · 4.125%
HK$107,098
baseline
▲ 0.50% · 4.625%
HK$113,615
+HK$6,517/mo
Deposit HK$14.73M · loan HK$22.10M · min. income ≈ HK$214,196/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,115
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,122
−HK$3,050/mo
Today · 4.125%
HK$118,172
baseline
▲ 0.50% · 4.625%
HK$124,401
+HK$6,229/mo
Deposit HK$14.73M · loan HK$22.10M · min. income ≈ HK$236,344/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,575
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$121,232
−HK$3,716/mo
Today · 4.125%
HK$124,948
baseline
▲ 0.50% · 4.625%
HK$132,551
+HK$7,603/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$249,896/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,565,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,801
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,309
−HK$3,559/mo
Today · 4.125%
HK$137,868
baseline
▲ 0.50% · 4.625%
HK$145,135
+HK$7,267/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$275,736/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,565,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,168
−HK$9,479/mo
▼ 0.25% · 3.875%
HK$155,870
−HK$4,777/mo
Today · 4.125%
HK$160,647
baseline
▲ 0.50% · 4.625%
HK$170,422
+HK$9,775/mo
Deposit HK$3.68M · loan HK$33.15M · min. income ≈ HK$321,294/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,173
−HK$9,085/mo
▼ 0.25% · 3.875%
HK$172,683
−HK$4,575/mo
Today · 4.125%
HK$177,258
baseline
▲ 0.50% · 4.625%
HK$186,602
+HK$9,344/mo
Deposit HK$3.68M · loan HK$33.15M · min. income ≈ HK$354,516/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,279 · Scale 2, in force from 26 Feb 2026)