LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,118
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,735
−HK$2,658/mo
Today · 4.125%
HK$89,393
baseline
▲ 0.50% · 4.625%
HK$94,833
+HK$5,440/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,786/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,581
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,091
−HK$2,546/mo
Today · 4.125%
HK$98,637
baseline
▲ 0.50% · 4.625%
HK$103,836
+HK$5,199/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$197,274/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,942
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,082
−HK$3,190/mo
Today · 4.125%
HK$107,272
baseline
▲ 0.50% · 4.625%
HK$113,799
+HK$6,527/mo
Deposit HK$14.76M · loan HK$22.13M · min. income ≈ HK$214,544/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,297
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,309
−HK$3,055/mo
Today · 4.125%
HK$118,364
baseline
▲ 0.50% · 4.625%
HK$124,603
+HK$6,239/mo
Deposit HK$14.76M · loan HK$22.13M · min. income ≈ HK$236,728/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,766
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$121,429
−HK$3,722/mo
Today · 4.125%
HK$125,151
baseline
▲ 0.50% · 4.625%
HK$132,766
+HK$7,615/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$250,302/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,013
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,527
−HK$3,564/mo
Today · 4.125%
HK$138,091
baseline
▲ 0.50% · 4.625%
HK$145,370
+HK$7,279/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$276,182/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,413
−HK$9,495/mo
▼ 0.25% · 3.875%
HK$156,123
−HK$4,785/mo
Today · 4.125%
HK$160,908
baseline
▲ 0.50% · 4.625%
HK$170,699
+HK$9,791/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$321,816/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,445
−HK$9,101/mo
▼ 0.25% · 3.875%
HK$172,963
−HK$4,583/mo
Today · 4.125%
HK$177,546
baseline
▲ 0.50% · 4.625%
HK$186,905
+HK$9,359/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$355,092/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,819 · Scale 2, in force from 26 Feb 2026)