LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,030
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,644
−HK$2,656/mo
Today · 4.125%
HK$89,300
baseline
▲ 0.50% · 4.625%
HK$94,734
+HK$5,434/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$178,600/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,566,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,483
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,990
−HK$2,544/mo
Today · 4.125%
HK$98,534
baseline
▲ 0.50% · 4.625%
HK$103,727
+HK$5,193/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$197,068/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,566,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,836
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,973
−HK$3,187/mo
Today · 4.125%
HK$107,160
baseline
▲ 0.50% · 4.625%
HK$113,680
+HK$6,520/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$214,320/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,180
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,188
−HK$3,052/mo
Today · 4.125%
HK$118,240
baseline
▲ 0.50% · 4.625%
HK$124,473
+HK$6,233/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$236,480/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,643
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$121,302
−HK$3,718/mo
Today · 4.125%
HK$125,020
baseline
▲ 0.50% · 4.625%
HK$132,627
+HK$7,607/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$250,040/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,876
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$134,386
−HK$3,561/mo
Today · 4.125%
HK$137,947
baseline
▲ 0.50% · 4.625%
HK$145,218
+HK$7,271/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$275,894/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,255
−HK$9,485/mo
▼ 0.25% · 3.875%
HK$155,960
−HK$4,780/mo
Today · 4.125%
HK$160,740
baseline
▲ 0.50% · 4.625%
HK$170,520
+HK$9,780/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$321,480/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,269
−HK$9,091/mo
▼ 0.25% · 3.875%
HK$172,782
−HK$4,578/mo
Today · 4.125%
HK$177,360
baseline
▲ 0.50% · 4.625%
HK$186,709
+HK$9,349/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$354,720/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,180 · Scale 2, in force from 26 Feb 2026)