LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,330
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,953
−HK$2,665/mo
Today · 4.125%
HK$89,618
baseline
▲ 0.50% · 4.625%
HK$95,071
+HK$5,453/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$179,236/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,816
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,332
−HK$2,553/mo
Today · 4.125%
HK$98,885
baseline
▲ 0.50% · 4.625%
HK$104,097
+HK$5,212/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$197,770/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,196
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$104,344
−HK$3,198/mo
Today · 4.125%
HK$107,542
baseline
▲ 0.50% · 4.625%
HK$114,086
+HK$6,544/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$215,084/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,580
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,599
−HK$3,063/mo
Today · 4.125%
HK$118,662
baseline
▲ 0.50% · 4.625%
HK$124,917
+HK$6,255/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$237,324/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,062
−HK$7,404/mo
▼ 0.25% · 3.875%
HK$121,735
−HK$3,731/mo
Today · 4.125%
HK$125,466
baseline
▲ 0.50% · 4.625%
HK$133,100
+HK$7,634/mo
Deposit HK$11.09M · loan HK$25.89M · min. income ≈ HK$250,932/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,571,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,343
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$134,865
−HK$3,574/mo
Today · 4.125%
HK$138,439
baseline
▲ 0.50% · 4.625%
HK$145,736
+HK$7,297/mo
Deposit HK$11.09M · loan HK$25.89M · min. income ≈ HK$276,878/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,571,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,794
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$156,516
−HK$4,797/mo
Today · 4.125%
HK$161,313
baseline
▲ 0.50% · 4.625%
HK$171,128
+HK$9,815/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$322,626/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,869
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$173,398
−HK$4,595/mo
Today · 4.125%
HK$177,993
baseline
▲ 0.50% · 4.625%
HK$187,375
+HK$9,382/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$355,986/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,766 · Scale 2, in force from 26 Feb 2026)