LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,108
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,724
−HK$2,658/mo
Today · 4.125%
HK$89,382
baseline
▲ 0.50% · 4.625%
HK$94,821
+HK$5,439/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,764/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,569
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,079
−HK$2,545/mo
Today · 4.125%
HK$98,624
baseline
▲ 0.50% · 4.625%
HK$103,823
+HK$5,199/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$197,248/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,929
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,069
−HK$3,190/mo
Today · 4.125%
HK$107,259
baseline
▲ 0.50% · 4.625%
HK$113,785
+HK$6,526/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$214,518/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,283
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,294
−HK$3,055/mo
Today · 4.125%
HK$118,349
baseline
▲ 0.50% · 4.625%
HK$124,588
+HK$6,239/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$236,698/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,751
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,414
−HK$3,721/mo
Today · 4.125%
HK$125,135
baseline
▲ 0.50% · 4.625%
HK$132,749
+HK$7,614/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$250,270/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,997
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$134,510
−HK$3,564/mo
Today · 4.125%
HK$138,074
baseline
▲ 0.50% · 4.625%
HK$145,352
+HK$7,278/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$276,148/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,394
−HK$9,494/mo
▼ 0.25% · 3.875%
HK$156,103
−HK$4,785/mo
Today · 4.125%
HK$160,888
baseline
▲ 0.50% · 4.625%
HK$170,677
+HK$9,789/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$321,776/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,424
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$172,941
−HK$4,583/mo
Today · 4.125%
HK$177,524
baseline
▲ 0.50% · 4.625%
HK$186,881
+HK$9,357/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$355,048/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,623 · Scale 2, in force from 26 Feb 2026)