LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,229
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,849
−HK$2,662/mo
Today · 4.125%
HK$89,511
baseline
▲ 0.50% · 4.625%
HK$94,958
+HK$5,447/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$179,022/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,569,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,704
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,217
−HK$2,550/mo
Today · 4.125%
HK$98,767
baseline
▲ 0.50% · 4.625%
HK$103,973
+HK$5,206/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$197,534/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,569,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,075
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,219
−HK$3,194/mo
Today · 4.125%
HK$107,413
baseline
▲ 0.50% · 4.625%
HK$113,949
+HK$6,536/mo
Deposit HK$14.78M · loan HK$22.16M · min. income ≈ HK$214,826/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,569,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,445
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,461
−HK$3,059/mo
Today · 4.125%
HK$118,520
baseline
▲ 0.50% · 4.625%
HK$124,767
+HK$6,247/mo
Deposit HK$14.78M · loan HK$22.16M · min. income ≈ HK$237,040/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,569,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,921
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,589
−HK$3,726/mo
Today · 4.125%
HK$125,315
baseline
▲ 0.50% · 4.625%
HK$132,941
+HK$7,626/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$250,630/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,186
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,704
−HK$3,569/mo
Today · 4.125%
HK$138,273
baseline
▲ 0.50% · 4.625%
HK$145,562
+HK$7,289/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$276,546/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,612
−HK$9,508/mo
▼ 0.25% · 3.875%
HK$156,328
−HK$4,792/mo
Today · 4.125%
HK$161,120
baseline
▲ 0.50% · 4.625%
HK$170,924
+HK$9,804/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$322,240/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,667
−HK$9,113/mo
▼ 0.25% · 3.875%
HK$173,191
−HK$4,589/mo
Today · 4.125%
HK$177,780
baseline
▲ 0.50% · 4.625%
HK$187,151
+HK$9,371/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$355,560/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,884 · Scale 2, in force from 26 Feb 2026)