LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,007
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,620
−HK$2,655/mo
Today · 4.125%
HK$89,275
baseline
▲ 0.50% · 4.625%
HK$94,707
+HK$5,432/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$178,550/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,457
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,963
−HK$2,543/mo
Today · 4.125%
HK$98,506
baseline
▲ 0.50% · 4.625%
HK$103,698
+HK$5,192/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$197,012/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,808
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,944
−HK$3,186/mo
Today · 4.125%
HK$107,130
baseline
▲ 0.50% · 4.625%
HK$113,648
+HK$6,518/mo
Deposit HK$14.74M · loan HK$22.10M · min. income ≈ HK$214,260/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,148
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,156
−HK$3,051/mo
Today · 4.125%
HK$118,207
baseline
▲ 0.50% · 4.625%
HK$124,438
+HK$6,231/mo
Deposit HK$14.74M · loan HK$22.10M · min. income ≈ HK$236,414/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,609
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$121,268
−HK$3,717/mo
Today · 4.125%
HK$124,985
baseline
▲ 0.50% · 4.625%
HK$132,590
+HK$7,605/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$249,970/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,839
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$134,348
−HK$3,560/mo
Today · 4.125%
HK$137,908
baseline
▲ 0.50% · 4.625%
HK$145,177
+HK$7,269/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$275,816/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,212
−HK$9,482/mo
▼ 0.25% · 3.875%
HK$155,916
−HK$4,778/mo
Today · 4.125%
HK$160,694
baseline
▲ 0.50% · 4.625%
HK$170,472
+HK$9,778/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$321,388/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,222
−HK$9,088/mo
▼ 0.25% · 3.875%
HK$172,734
−HK$4,576/mo
Today · 4.125%
HK$177,310
baseline
▲ 0.50% · 4.625%
HK$186,657
+HK$9,347/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$354,620/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,739 · Scale 2, in force from 26 Feb 2026)