LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,042
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,656
−HK$2,656/mo
Today · 4.125%
HK$89,312
baseline
▲ 0.50% · 4.625%
HK$94,746
+HK$5,434/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$178,624/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,495
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,003
−HK$2,544/mo
Today · 4.125%
HK$98,547
baseline
▲ 0.50% · 4.625%
HK$103,741
+HK$5,194/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$197,094/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,850
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,987
−HK$3,187/mo
Today · 4.125%
HK$107,174
baseline
▲ 0.50% · 4.625%
HK$113,695
+HK$6,521/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$214,348/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,194
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,203
−HK$3,053/mo
Today · 4.125%
HK$118,256
baseline
▲ 0.50% · 4.625%
HK$124,489
+HK$6,233/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$236,512/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,658
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,318
−HK$3,718/mo
Today · 4.125%
HK$125,036
baseline
▲ 0.50% · 4.625%
HK$132,645
+HK$7,609/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$250,072/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,893
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,404
−HK$3,561/mo
Today · 4.125%
HK$137,965
baseline
▲ 0.50% · 4.625%
HK$145,238
+HK$7,273/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$275,930/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,275
−HK$9,486/mo
▼ 0.25% · 3.875%
HK$155,980
−HK$4,781/mo
Today · 4.125%
HK$160,761
baseline
▲ 0.50% · 4.625%
HK$170,543
+HK$9,782/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$321,522/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,292
−HK$9,092/mo
▼ 0.25% · 3.875%
HK$172,805
−HK$4,579/mo
Today · 4.125%
HK$177,384
baseline
▲ 0.50% · 4.625%
HK$186,734
+HK$9,350/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$354,768/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,388 · Scale 2, in force from 26 Feb 2026)