LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,014
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,627
−HK$2,655/mo
Today · 4.125%
HK$89,282
baseline
▲ 0.50% · 4.625%
HK$94,715
+HK$5,433/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$178,564/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,465
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,971
−HK$2,543/mo
Today · 4.125%
HK$98,514
baseline
▲ 0.50% · 4.625%
HK$103,707
+HK$5,193/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$197,028/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,565,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,817
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,953
−HK$3,186/mo
Today · 4.125%
HK$107,139
baseline
▲ 0.50% · 4.625%
HK$113,658
+HK$6,519/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$214,278/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,158
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,166
−HK$3,051/mo
Today · 4.125%
HK$118,217
baseline
▲ 0.50% · 4.625%
HK$124,448
+HK$6,231/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$236,434/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,619
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$121,278
−HK$3,717/mo
Today · 4.125%
HK$124,995
baseline
▲ 0.50% · 4.625%
HK$132,601
+HK$7,606/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$249,990/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,850
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$134,360
−HK$3,560/mo
Today · 4.125%
HK$137,920
baseline
▲ 0.50% · 4.625%
HK$145,190
+HK$7,270/mo
Deposit HK$11.05M · loan HK$25.79M · min. income ≈ HK$275,840/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,225
−HK$9,483/mo
▼ 0.25% · 3.875%
HK$155,929
−HK$4,779/mo
Today · 4.125%
HK$160,708
baseline
▲ 0.50% · 4.625%
HK$170,487
+HK$9,779/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$321,416/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,236
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$172,748
−HK$4,578/mo
Today · 4.125%
HK$177,326
baseline
▲ 0.50% · 4.625%
HK$186,673
+HK$9,347/mo
Deposit HK$3.68M · loan HK$33.16M · min. income ≈ HK$354,652/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,873 · Scale 2, in force from 26 Feb 2026)