LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,142
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,760
−HK$2,659/mo
Today · 4.125%
HK$89,419
baseline
▲ 0.50% · 4.625%
HK$94,860
+HK$5,441/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$178,838/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,607
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,118
−HK$2,547/mo
Today · 4.125%
HK$98,665
baseline
▲ 0.50% · 4.625%
HK$103,865
+HK$5,200/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$197,330/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,971
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,111
−HK$3,191/mo
Today · 4.125%
HK$107,302
baseline
▲ 0.50% · 4.625%
HK$113,832
+HK$6,530/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$214,604/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,329
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,341
−HK$3,057/mo
Today · 4.125%
HK$118,398
baseline
▲ 0.50% · 4.625%
HK$124,639
+HK$6,241/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$236,796/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,799
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,463
−HK$3,723/mo
Today · 4.125%
HK$125,186
baseline
▲ 0.50% · 4.625%
HK$132,803
+HK$7,617/mo
Deposit HK$11.07M · loan HK$25.83M · min. income ≈ HK$250,372/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,050
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$134,565
−HK$3,566/mo
Today · 4.125%
HK$138,131
baseline
▲ 0.50% · 4.625%
HK$145,412
+HK$7,281/mo
Deposit HK$11.07M · loan HK$25.83M · min. income ≈ HK$276,262/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,456
−HK$9,498/mo
▼ 0.25% · 3.875%
HK$156,167
−HK$4,787/mo
Today · 4.125%
HK$160,954
baseline
▲ 0.50% · 4.625%
HK$170,747
+HK$9,793/mo
Deposit HK$3.69M · loan HK$33.21M · min. income ≈ HK$321,908/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,493
−HK$9,103/mo
▼ 0.25% · 3.875%
HK$173,012
−HK$4,584/mo
Today · 4.125%
HK$177,596
baseline
▲ 0.50% · 4.625%
HK$186,958
+HK$9,362/mo
Deposit HK$3.69M · loan HK$33.21M · min. income ≈ HK$355,192/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,265 · Scale 2, in force from 26 Feb 2026)