LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,272
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,893
−HK$2,664/mo
Today · 4.125%
HK$89,557
baseline
▲ 0.50% · 4.625%
HK$95,006
+HK$5,449/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$179,114/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,752
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,266
−HK$2,551/mo
Today · 4.125%
HK$98,817
baseline
▲ 0.50% · 4.625%
HK$104,026
+HK$5,209/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$197,634/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,126
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,272
−HK$3,196/mo
Today · 4.125%
HK$107,468
baseline
▲ 0.50% · 4.625%
HK$114,007
+HK$6,539/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$214,936/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,502
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,519
−HK$3,061/mo
Today · 4.125%
HK$118,580
baseline
▲ 0.50% · 4.625%
HK$124,831
+HK$6,251/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$237,160/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,981
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$121,651
−HK$3,728/mo
Today · 4.125%
HK$125,379
baseline
▲ 0.50% · 4.625%
HK$133,008
+HK$7,629/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$250,758/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,253
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,773
−HK$3,571/mo
Today · 4.125%
HK$138,344
baseline
▲ 0.50% · 4.625%
HK$145,636
+HK$7,292/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$276,688/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,690
−HK$9,512/mo
▼ 0.25% · 3.875%
HK$156,408
−HK$4,794/mo
Today · 4.125%
HK$161,202
baseline
▲ 0.50% · 4.625%
HK$171,011
+HK$9,809/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$322,404/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,753
−HK$9,117/mo
▼ 0.25% · 3.875%
HK$173,279
−HK$4,591/mo
Today · 4.125%
HK$177,870
baseline
▲ 0.50% · 4.625%
HK$187,246
+HK$9,376/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$355,740/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,684 · Scale 2, in force from 26 Feb 2026)