LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,113
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,729
−HK$2,659/mo
Today · 4.125%
HK$89,388
baseline
▲ 0.50% · 4.625%
HK$94,827
+HK$5,439/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,776/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,575
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,085
−HK$2,545/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$1,567,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,936
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,075
−HK$3,190/mo
Today · 4.125%
HK$107,265
baseline
▲ 0.50% · 4.625%
HK$113,792
+HK$6,527/mo
Deposit HK$14.76M · loan HK$22.13M · min. income ≈ HK$214,530/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,290
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,301
−HK$3,056/mo
Today · 4.125%
HK$118,357
baseline
▲ 0.50% · 4.625%
HK$124,595
+HK$6,238/mo
Deposit HK$14.76M · loan HK$22.13M · min. income ≈ HK$236,714/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,758
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$121,421
−HK$3,722/mo
Today · 4.125%
HK$125,143
baseline
▲ 0.50% · 4.625%
HK$132,757
+HK$7,614/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$250,286/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,005
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,518
−HK$3,565/mo
Today · 4.125%
HK$138,083
baseline
▲ 0.50% · 4.625%
HK$145,361
+HK$7,278/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$276,166/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,404
−HK$9,494/mo
▼ 0.25% · 3.875%
HK$156,113
−HK$4,785/mo
Today · 4.125%
HK$160,898
baseline
▲ 0.50% · 4.625%
HK$170,688
+HK$9,790/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$321,796/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,435
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$172,952
−HK$4,583/mo
Today · 4.125%
HK$177,535
baseline
▲ 0.50% · 4.625%
HK$186,893
+HK$9,358/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$355,070/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,721 · Scale 2, in force from 26 Feb 2026)