LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,257
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,878
−HK$2,663/mo
Today · 4.125%
HK$89,541
baseline
▲ 0.50% · 4.625%
HK$94,989
+HK$5,448/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$179,082/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,735
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,249
−HK$2,551/mo
Today · 4.125%
HK$98,800
baseline
▲ 0.50% · 4.625%
HK$104,007
+HK$5,207/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$197,600/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,109
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,254
−HK$3,195/mo
Today · 4.125%
HK$107,449
baseline
▲ 0.50% · 4.625%
HK$113,987
+HK$6,538/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$214,898/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,482
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,499
−HK$3,060/mo
Today · 4.125%
HK$118,559
baseline
▲ 0.50% · 4.625%
HK$124,809
+HK$6,250/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$237,118/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,960
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$121,629
−HK$3,728/mo
Today · 4.125%
HK$125,357
baseline
▲ 0.50% · 4.625%
HK$132,985
+HK$7,628/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$250,714/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,229
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$134,749
−HK$3,570/mo
Today · 4.125%
HK$138,319
baseline
▲ 0.50% · 4.625%
HK$145,610
+HK$7,291/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$276,638/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,663
−HK$9,511/mo
▼ 0.25% · 3.875%
HK$156,381
−HK$4,793/mo
Today · 4.125%
HK$161,174
baseline
▲ 0.50% · 4.625%
HK$170,981
+HK$9,807/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$322,348/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,724
−HK$9,115/mo
▼ 0.25% · 3.875%
HK$173,249
−HK$4,590/mo
Today · 4.125%
HK$177,839
baseline
▲ 0.50% · 4.625%
HK$187,213
+HK$9,374/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$355,678/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,408 · Scale 2, in force from 26 Feb 2026)