LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,130
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,747
−HK$2,659/mo
Today · 4.125%
HK$89,406
baseline
▲ 0.50% · 4.625%
HK$94,846
+HK$5,440/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$178,812/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,594
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,104
−HK$2,546/mo
Today · 4.125%
HK$98,650
baseline
▲ 0.50% · 4.625%
HK$103,850
+HK$5,200/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$197,300/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,956
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,096
−HK$3,191/mo
Today · 4.125%
HK$107,287
baseline
▲ 0.50% · 4.625%
HK$113,815
+HK$6,528/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$214,574/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,313
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,325
−HK$3,056/mo
Today · 4.125%
HK$118,381
baseline
▲ 0.50% · 4.625%
HK$124,621
+HK$6,240/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$236,762/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,782
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,446
−HK$3,722/mo
Today · 4.125%
HK$125,168
baseline
▲ 0.50% · 4.625%
HK$132,784
+HK$7,616/mo
Deposit HK$11.07M · loan HK$25.83M · min. income ≈ HK$250,336/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,031
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,546
−HK$3,565/mo
Today · 4.125%
HK$138,111
baseline
▲ 0.50% · 4.625%
HK$145,391
+HK$7,280/mo
Deposit HK$11.07M · loan HK$25.83M · min. income ≈ HK$276,222/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,434
−HK$9,496/mo
▼ 0.25% · 3.875%
HK$156,145
−HK$4,785/mo
Today · 4.125%
HK$160,930
baseline
▲ 0.50% · 4.625%
HK$170,723
+HK$9,793/mo
Deposit HK$3.69M · loan HK$33.21M · min. income ≈ HK$321,860/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,469
−HK$9,102/mo
▼ 0.25% · 3.875%
HK$172,987
−HK$4,584/mo
Today · 4.125%
HK$177,571
baseline
▲ 0.50% · 4.625%
HK$186,931
+HK$9,360/mo
Deposit HK$3.69M · loan HK$33.21M · min. income ≈ HK$355,142/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,038 · Scale 2, in force from 26 Feb 2026)