LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,487
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,115
−HK$2,670/mo
Today · 4.125%
HK$89,785
baseline
▲ 0.50% · 4.625%
HK$95,248
+HK$5,463/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$179,570/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,991
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,511
−HK$2,558/mo
Today · 4.125%
HK$99,069
baseline
▲ 0.50% · 4.625%
HK$104,291
+HK$5,222/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$198,138/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,384
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$104,538
−HK$3,204/mo
Today · 4.125%
HK$107,742
baseline
▲ 0.50% · 4.625%
HK$114,298
+HK$6,556/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$215,484/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,574,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,789
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,814
−HK$3,068/mo
Today · 4.125%
HK$118,882
baseline
▲ 0.50% · 4.625%
HK$125,149
+HK$6,267/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$237,764/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,574,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,281
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$121,961
−HK$3,738/mo
Today · 4.125%
HK$125,699
baseline
▲ 0.50% · 4.625%
HK$133,347
+HK$7,648/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$251,398/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,587
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$135,116
−HK$3,580/mo
Today · 4.125%
HK$138,696
baseline
▲ 0.50% · 4.625%
HK$146,007
+HK$7,311/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$277,392/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,076
−HK$9,537/mo
▼ 0.25% · 3.875%
HK$156,807
−HK$4,806/mo
Today · 4.125%
HK$161,613
baseline
▲ 0.50% · 4.625%
HK$171,446
+HK$9,833/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$323,226/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,183
−HK$9,141/mo
▼ 0.25% · 3.875%
HK$173,721
−HK$4,603/mo
Today · 4.125%
HK$178,324
baseline
▲ 0.50% · 4.625%
HK$187,723
+HK$9,399/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$356,648/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,686 · Scale 2, in force from 26 Feb 2026)