LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,117
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,734
−HK$2,658/mo
Today · 4.125%
HK$89,392
baseline
▲ 0.50% · 4.625%
HK$94,832
+HK$5,440/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,784/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,580
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,090
−HK$2,546/mo
Today · 4.125%
HK$98,636
baseline
▲ 0.50% · 4.625%
HK$103,835
+HK$5,199/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$197,272/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,941
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,081
−HK$3,190/mo
Today · 4.125%
HK$107,271
baseline
▲ 0.50% · 4.625%
HK$113,798
+HK$6,527/mo
Deposit HK$14.76M · loan HK$22.13M · min. income ≈ HK$214,542/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,296
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,307
−HK$3,056/mo
Today · 4.125%
HK$118,363
baseline
▲ 0.50% · 4.625%
HK$124,602
+HK$6,239/mo
Deposit HK$14.76M · loan HK$22.13M · min. income ≈ HK$236,726/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,764
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$121,428
−HK$3,721/mo
Today · 4.125%
HK$125,149
baseline
▲ 0.50% · 4.625%
HK$132,764
+HK$7,615/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$250,298/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,012
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,525
−HK$3,565/mo
Today · 4.125%
HK$138,090
baseline
▲ 0.50% · 4.625%
HK$145,369
+HK$7,279/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$276,180/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,411
−HK$9,495/mo
▼ 0.25% · 3.875%
HK$156,121
−HK$4,785/mo
Today · 4.125%
HK$160,906
baseline
▲ 0.50% · 4.625%
HK$170,697
+HK$9,791/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$321,812/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,444
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$172,961
−HK$4,583/mo
Today · 4.125%
HK$177,544
baseline
▲ 0.50% · 4.625%
HK$186,903
+HK$9,359/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$355,088/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,802 · Scale 2, in force from 26 Feb 2026)