LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,444
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,070
−HK$2,669/mo
Today · 4.125%
HK$89,739
baseline
▲ 0.50% · 4.625%
HK$95,199
+HK$5,460/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$179,478/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,573,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,943
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,462
−HK$2,556/mo
Today · 4.125%
HK$99,018
baseline
▲ 0.50% · 4.625%
HK$104,238
+HK$5,220/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$198,036/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,573,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,332
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,484
−HK$3,203/mo
Today · 4.125%
HK$107,687
baseline
▲ 0.50% · 4.625%
HK$114,239
+HK$6,552/mo
Deposit HK$14.81M · loan HK$22.22M · min. income ≈ HK$215,374/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,573,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,731
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,755
−HK$3,067/mo
Today · 4.125%
HK$118,822
baseline
▲ 0.50% · 4.625%
HK$125,085
+HK$6,263/mo
Deposit HK$14.81M · loan HK$22.22M · min. income ≈ HK$237,644/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,573,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,221
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$121,899
−HK$3,736/mo
Today · 4.125%
HK$125,635
baseline
▲ 0.50% · 4.625%
HK$133,279
+HK$7,644/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$251,270/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,520
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,047
−HK$3,578/mo
Today · 4.125%
HK$138,625
baseline
▲ 0.50% · 4.625%
HK$145,933
+HK$7,308/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$277,250/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,999
−HK$9,531/mo
▼ 0.25% · 3.875%
HK$156,727
−HK$4,803/mo
Today · 4.125%
HK$161,530
baseline
▲ 0.50% · 4.625%
HK$171,359
+HK$9,829/mo
Deposit HK$3.70M · loan HK$33.33M · min. income ≈ HK$323,060/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,097
−HK$9,136/mo
▼ 0.25% · 3.875%
HK$173,632
−HK$4,601/mo
Today · 4.125%
HK$178,233
baseline
▲ 0.50% · 4.625%
HK$187,628
+HK$9,395/mo
Deposit HK$3.70M · loan HK$33.33M · min. income ≈ HK$356,466/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,884 · Scale 2, in force from 26 Feb 2026)