LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,306
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,928
−HK$2,665/mo
Today · 4.125%
HK$89,593
baseline
▲ 0.50% · 4.625%
HK$95,044
+HK$5,451/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$179,186/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,789
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,305
−HK$2,552/mo
Today · 4.125%
HK$98,857
baseline
▲ 0.50% · 4.625%
HK$104,068
+HK$5,211/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$197,714/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,167
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$104,314
−HK$3,197/mo
Today · 4.125%
HK$107,511
baseline
▲ 0.50% · 4.625%
HK$114,053
+HK$6,542/mo
Deposit HK$14.79M · loan HK$22.18M · min. income ≈ HK$215,022/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,547
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,566
−HK$3,062/mo
Today · 4.125%
HK$118,628
baseline
▲ 0.50% · 4.625%
HK$124,881
+HK$6,253/mo
Deposit HK$14.79M · loan HK$22.18M · min. income ≈ HK$237,256/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,028
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$121,700
−HK$3,730/mo
Today · 4.125%
HK$125,430
baseline
▲ 0.50% · 4.625%
HK$133,062
+HK$7,632/mo
Deposit HK$11.09M · loan HK$25.88M · min. income ≈ HK$250,860/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,571,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,305
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$134,827
−HK$3,572/mo
Today · 4.125%
HK$138,399
baseline
▲ 0.50% · 4.625%
HK$145,695
+HK$7,296/mo
Deposit HK$11.09M · loan HK$25.88M · min. income ≈ HK$276,798/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,571,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,751
−HK$9,516/mo
▼ 0.25% · 3.875%
HK$156,471
−HK$4,796/mo
Today · 4.125%
HK$161,267
baseline
▲ 0.50% · 4.625%
HK$171,079
+HK$9,812/mo
Deposit HK$3.70M · loan HK$33.27M · min. income ≈ HK$322,534/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,821
−HK$9,121/mo
▼ 0.25% · 3.875%
HK$173,349
−HK$4,593/mo
Today · 4.125%
HK$177,942
baseline
▲ 0.50% · 4.625%
HK$187,322
+HK$9,380/mo
Deposit HK$3.70M · loan HK$33.27M · min. income ≈ HK$355,884/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,316 · Scale 2, in force from 26 Feb 2026)