LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,120
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,737
−HK$2,658/mo
Today · 4.125%
HK$89,395
baseline
▲ 0.50% · 4.625%
HK$94,835
+HK$5,440/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$178,790/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,583
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,093
−HK$2,546/mo
Today · 4.125%
HK$98,639
baseline
▲ 0.50% · 4.625%
HK$103,838
+HK$5,199/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$197,278/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,944
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,084
−HK$3,190/mo
Today · 4.125%
HK$107,274
baseline
▲ 0.50% · 4.625%
HK$113,802
+HK$6,528/mo
Deposit HK$14.76M · loan HK$22.13M · min. income ≈ HK$214,548/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,299
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,311
−HK$3,055/mo
Today · 4.125%
HK$118,366
baseline
▲ 0.50% · 4.625%
HK$124,606
+HK$6,240/mo
Deposit HK$14.76M · loan HK$22.13M · min. income ≈ HK$236,732/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,768
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$121,431
−HK$3,722/mo
Today · 4.125%
HK$125,153
baseline
▲ 0.50% · 4.625%
HK$132,768
+HK$7,615/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$250,306/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,567,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,016
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,530
−HK$3,564/mo
Today · 4.125%
HK$138,094
baseline
▲ 0.50% · 4.625%
HK$145,373
+HK$7,279/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$276,188/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,567,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,416
−HK$9,495/mo
▼ 0.25% · 3.875%
HK$156,126
−HK$4,785/mo
Today · 4.125%
HK$160,911
baseline
▲ 0.50% · 4.625%
HK$170,702
+HK$9,791/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$321,822/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,449
−HK$9,101/mo
▼ 0.25% · 3.875%
HK$172,967
−HK$4,583/mo
Today · 4.125%
HK$177,550
baseline
▲ 0.50% · 4.625%
HK$186,909
+HK$9,359/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$355,100/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,852 · Scale 2, in force from 26 Feb 2026)