LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,420
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,046
−HK$2,667/mo
Today · 4.125%
HK$89,713
baseline
▲ 0.50% · 4.625%
HK$95,172
+HK$5,459/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$179,426/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,573,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,916
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,435
−HK$2,555/mo
Today · 4.125%
HK$98,990
baseline
▲ 0.50% · 4.625%
HK$104,208
+HK$5,218/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$197,980/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,573,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,304
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,455
−HK$3,201/mo
Today · 4.125%
HK$107,656
baseline
▲ 0.50% · 4.625%
HK$114,207
+HK$6,551/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$215,312/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,699
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,722
−HK$3,066/mo
Today · 4.125%
HK$118,788
baseline
▲ 0.50% · 4.625%
HK$125,049
+HK$6,261/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$237,576/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,187
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$121,864
−HK$3,735/mo
Today · 4.125%
HK$125,599
baseline
▲ 0.50% · 4.625%
HK$133,241
+HK$7,642/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$251,198/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,482
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,009
−HK$3,577/mo
Today · 4.125%
HK$138,586
baseline
▲ 0.50% · 4.625%
HK$145,891
+HK$7,305/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$277,172/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,955
−HK$9,529/mo
▼ 0.25% · 3.875%
HK$156,682
−HK$4,802/mo
Today · 4.125%
HK$161,484
baseline
▲ 0.50% · 4.625%
HK$171,310
+HK$9,826/mo
Deposit HK$3.70M · loan HK$33.32M · min. income ≈ HK$322,968/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,049
−HK$9,133/mo
▼ 0.25% · 3.875%
HK$173,583
−HK$4,599/mo
Today · 4.125%
HK$178,182
baseline
▲ 0.50% · 4.625%
HK$187,574
+HK$9,392/mo
Deposit HK$3.70M · loan HK$33.32M · min. income ≈ HK$356,364/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,435 · Scale 2, in force from 26 Feb 2026)