LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,077
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,692
−HK$2,658/mo
Today · 4.125%
HK$89,350
baseline
▲ 0.50% · 4.625%
HK$94,786
+HK$5,436/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,700/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,567,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,535
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,044
−HK$2,544/mo
Today · 4.125%
HK$98,588
baseline
▲ 0.50% · 4.625%
HK$103,785
+HK$5,197/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$197,176/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,567,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,893
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$104,031
−HK$3,189/mo
Today · 4.125%
HK$107,220
baseline
▲ 0.50% · 4.625%
HK$113,744
+HK$6,524/mo
Deposit HK$14.75M · loan HK$22.12M · min. income ≈ HK$214,440/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,242
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,252
−HK$3,054/mo
Today · 4.125%
HK$118,306
baseline
▲ 0.50% · 4.625%
HK$124,542
+HK$6,236/mo
Deposit HK$14.75M · loan HK$22.12M · min. income ≈ HK$236,612/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,708
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$121,369
−HK$3,720/mo
Today · 4.125%
HK$125,089
baseline
▲ 0.50% · 4.625%
HK$132,701
+HK$7,612/mo
Deposit HK$11.06M · loan HK$25.81M · min. income ≈ HK$250,178/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,949
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$134,461
−HK$3,563/mo
Today · 4.125%
HK$138,024
baseline
▲ 0.50% · 4.625%
HK$145,299
+HK$7,275/mo
Deposit HK$11.06M · loan HK$25.81M · min. income ≈ HK$276,048/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,339
−HK$9,490/mo
▼ 0.25% · 3.875%
HK$156,046
−HK$4,783/mo
Today · 4.125%
HK$160,829
baseline
▲ 0.50% · 4.625%
HK$170,615
+HK$9,786/mo
Deposit HK$3.69M · loan HK$33.18M · min. income ≈ HK$321,658/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,567,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,363
−HK$9,096/mo
▼ 0.25% · 3.875%
HK$172,878
−HK$4,581/mo
Today · 4.125%
HK$177,459
baseline
▲ 0.50% · 4.625%
HK$186,813
+HK$9,354/mo
Deposit HK$3.69M · loan HK$33.18M · min. income ≈ HK$354,918/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,567,053 · Scale 2, in force from 26 Feb 2026)