LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,505
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,133
−HK$2,671/mo
Today · 4.125%
HK$89,804
baseline
▲ 0.50% · 4.625%
HK$95,268
+HK$5,464/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$179,608/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,575,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,010
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,532
−HK$2,558/mo
Today · 4.125%
HK$99,090
baseline
▲ 0.50% · 4.625%
HK$104,313
+HK$5,223/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$198,180/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,575,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,405
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,560
−HK$3,204/mo
Today · 4.125%
HK$107,764
baseline
▲ 0.50% · 4.625%
HK$114,322
+HK$6,558/mo
Deposit HK$14.82M · loan HK$22.24M · min. income ≈ HK$215,528/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,813
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,838
−HK$3,069/mo
Today · 4.125%
HK$118,907
baseline
▲ 0.50% · 4.625%
HK$125,175
+HK$6,268/mo
Deposit HK$14.82M · loan HK$22.24M · min. income ≈ HK$237,814/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,306
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$121,986
−HK$3,739/mo
Today · 4.125%
HK$125,725
baseline
▲ 0.50% · 4.625%
HK$133,375
+HK$7,650/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$251,450/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,575,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,615
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$135,144
−HK$3,581/mo
Today · 4.125%
HK$138,725
baseline
▲ 0.50% · 4.625%
HK$146,038
+HK$7,313/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$277,450/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,575,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,108
−HK$9,539/mo
▼ 0.25% · 3.875%
HK$156,840
−HK$4,807/mo
Today · 4.125%
HK$161,647
baseline
▲ 0.50% · 4.625%
HK$171,482
+HK$9,835/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$323,294/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,219
−HK$9,142/mo
▼ 0.25% · 3.875%
HK$173,757
−HK$4,604/mo
Today · 4.125%
HK$178,361
baseline
▲ 0.50% · 4.625%
HK$187,763
+HK$9,402/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$356,722/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,017 · Scale 2, in force from 26 Feb 2026)