LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,056
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,671
−HK$2,656/mo
Today · 4.125%
HK$89,327
baseline
▲ 0.50% · 4.625%
HK$94,763
+HK$5,436/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$178,654/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,512
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,019
−HK$2,545/mo
Today · 4.125%
HK$98,564
baseline
▲ 0.50% · 4.625%
HK$103,759
+HK$5,195/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$197,128/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,867
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,005
−HK$3,188/mo
Today · 4.125%
HK$107,193
baseline
▲ 0.50% · 4.625%
HK$113,715
+HK$6,522/mo
Deposit HK$14.75M · loan HK$22.12M · min. income ≈ HK$214,386/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,214
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,223
−HK$3,053/mo
Today · 4.125%
HK$118,276
baseline
▲ 0.50% · 4.625%
HK$124,511
+HK$6,235/mo
Deposit HK$14.75M · loan HK$22.12M · min. income ≈ HK$236,552/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,679
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$121,339
−HK$3,719/mo
Today · 4.125%
HK$125,058
baseline
▲ 0.50% · 4.625%
HK$132,668
+HK$7,610/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$250,116/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,566,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,916
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$134,427
−HK$3,562/mo
Today · 4.125%
HK$137,989
baseline
▲ 0.50% · 4.625%
HK$145,263
+HK$7,274/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$275,978/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,566,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,301
−HK$9,488/mo
▼ 0.25% · 3.875%
HK$156,007
−HK$4,782/mo
Today · 4.125%
HK$160,789
baseline
▲ 0.50% · 4.625%
HK$170,573
+HK$9,784/mo
Deposit HK$3.69M · loan HK$33.18M · min. income ≈ HK$321,578/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,321
−HK$9,094/mo
▼ 0.25% · 3.875%
HK$172,835
−HK$4,580/mo
Today · 4.125%
HK$177,415
baseline
▲ 0.50% · 4.625%
HK$186,766
+HK$9,351/mo
Deposit HK$3.69M · loan HK$33.18M · min. income ≈ HK$354,830/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,659 · Scale 2, in force from 26 Feb 2026)