LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,112
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,729
−HK$2,658/mo
Today · 4.125%
HK$89,387
baseline
▲ 0.50% · 4.625%
HK$94,826
+HK$5,439/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,774/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,574
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,084
−HK$2,546/mo
Today · 4.125%
HK$98,630
baseline
▲ 0.50% · 4.625%
HK$103,829
+HK$5,199/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$197,260/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,935
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,075
−HK$3,189/mo
Today · 4.125%
HK$107,264
baseline
▲ 0.50% · 4.625%
HK$113,791
+HK$6,527/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$214,528/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,289
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,301
−HK$3,055/mo
Today · 4.125%
HK$118,356
baseline
▲ 0.50% · 4.625%
HK$124,594
+HK$6,238/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$236,712/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,757
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$121,420
−HK$3,722/mo
Today · 4.125%
HK$125,142
baseline
▲ 0.50% · 4.625%
HK$132,756
+HK$7,614/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$250,284/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,004
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,517
−HK$3,565/mo
Today · 4.125%
HK$138,082
baseline
▲ 0.50% · 4.625%
HK$145,360
+HK$7,278/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$276,164/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,402
−HK$9,495/mo
▼ 0.25% · 3.875%
HK$156,112
−HK$4,785/mo
Today · 4.125%
HK$160,897
baseline
▲ 0.50% · 4.625%
HK$170,687
+HK$9,790/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$321,794/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,434
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$172,951
−HK$4,583/mo
Today · 4.125%
HK$177,534
baseline
▲ 0.50% · 4.625%
HK$186,892
+HK$9,358/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$355,068/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,710 · Scale 2, in force from 26 Feb 2026)