LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,475
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,102
−HK$2,670/mo
Today · 4.125%
HK$89,772
baseline
▲ 0.50% · 4.625%
HK$95,235
+HK$5,463/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$179,544/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,977
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,498
−HK$2,557/mo
Today · 4.125%
HK$99,055
baseline
▲ 0.50% · 4.625%
HK$104,276
+HK$5,221/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$198,110/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,370
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,523
−HK$3,204/mo
Today · 4.125%
HK$107,727
baseline
▲ 0.50% · 4.625%
HK$114,282
+HK$6,555/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$215,454/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,773
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,797
−HK$3,069/mo
Today · 4.125%
HK$118,866
baseline
▲ 0.50% · 4.625%
HK$125,131
+HK$6,265/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$237,732/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,265
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$121,943
−HK$3,738/mo
Today · 4.125%
HK$125,681
baseline
▲ 0.50% · 4.625%
HK$133,328
+HK$7,647/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$251,362/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,568
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$135,097
−HK$3,580/mo
Today · 4.125%
HK$138,677
baseline
▲ 0.50% · 4.625%
HK$145,986
+HK$7,309/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$277,354/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,055
−HK$9,535/mo
▼ 0.25% · 3.875%
HK$156,784
−HK$4,806/mo
Today · 4.125%
HK$161,590
baseline
▲ 0.50% · 4.625%
HK$171,422
+HK$9,832/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$323,180/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,159
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$173,696
−HK$4,603/mo
Today · 4.125%
HK$178,299
baseline
▲ 0.50% · 4.625%
HK$187,697
+HK$9,398/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$356,598/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,464 · Scale 2, in force from 26 Feb 2026)