LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,072
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$86,687
−HK$2,657/mo
Today · 4.125%
HK$89,344
baseline
▲ 0.50% · 4.625%
HK$94,780
+HK$5,436/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$178,688/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,529
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,037
−HK$2,545/mo
Today · 4.125%
HK$98,582
baseline
▲ 0.50% · 4.625%
HK$103,779
+HK$5,197/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$197,164/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,886
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$104,024
−HK$3,189/mo
Today · 4.125%
HK$107,213
baseline
▲ 0.50% · 4.625%
HK$113,736
+HK$6,523/mo
Deposit HK$14.75M · loan HK$22.12M · min. income ≈ HK$214,426/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,235
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,245
−HK$3,054/mo
Today · 4.125%
HK$118,299
baseline
▲ 0.50% · 4.625%
HK$124,534
+HK$6,235/mo
Deposit HK$14.75M · loan HK$22.12M · min. income ≈ HK$236,598/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,701
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$121,362
−HK$3,719/mo
Today · 4.125%
HK$125,081
baseline
▲ 0.50% · 4.625%
HK$132,692
+HK$7,611/mo
Deposit HK$11.06M · loan HK$25.81M · min. income ≈ HK$250,162/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,566,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,941
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$134,452
−HK$3,563/mo
Today · 4.125%
HK$138,015
baseline
▲ 0.50% · 4.625%
HK$145,290
+HK$7,275/mo
Deposit HK$11.06M · loan HK$25.81M · min. income ≈ HK$276,030/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,566,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,329
−HK$9,490/mo
▼ 0.25% · 3.875%
HK$156,036
−HK$4,783/mo
Today · 4.125%
HK$160,819
baseline
▲ 0.50% · 4.625%
HK$170,604
+HK$9,785/mo
Deposit HK$3.69M · loan HK$33.18M · min. income ≈ HK$321,638/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,352
−HK$9,096/mo
▼ 0.25% · 3.875%
HK$172,867
−HK$4,581/mo
Today · 4.125%
HK$177,448
baseline
▲ 0.50% · 4.625%
HK$186,801
+HK$9,353/mo
Deposit HK$3.69M · loan HK$33.18M · min. income ≈ HK$354,896/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,953 · Scale 2, in force from 26 Feb 2026)