LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,512
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,141
−HK$2,671/mo
Today · 4.125%
HK$89,812
baseline
▲ 0.50% · 4.625%
HK$95,277
+HK$5,465/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$179,624/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,019
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,540
−HK$2,559/mo
Today · 4.125%
HK$99,099
baseline
▲ 0.50% · 4.625%
HK$104,322
+HK$5,223/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$198,198/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,415
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,569
−HK$3,205/mo
Today · 4.125%
HK$107,774
baseline
▲ 0.50% · 4.625%
HK$114,332
+HK$6,558/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$215,548/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,823
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,849
−HK$3,069/mo
Today · 4.125%
HK$118,918
baseline
▲ 0.50% · 4.625%
HK$125,187
+HK$6,269/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$237,836/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,317
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$121,997
−HK$3,740/mo
Today · 4.125%
HK$125,737
baseline
▲ 0.50% · 4.625%
HK$133,387
+HK$7,650/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$251,474/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,575,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,627
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$135,157
−HK$3,581/mo
Today · 4.125%
HK$138,738
baseline
▲ 0.50% · 4.625%
HK$146,051
+HK$7,313/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$277,476/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,575,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,122
−HK$9,539/mo
▼ 0.25% · 3.875%
HK$156,854
−HK$4,807/mo
Today · 4.125%
HK$161,661
baseline
▲ 0.50% · 4.625%
HK$171,498
+HK$9,837/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$323,322/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,234
−HK$9,143/mo
▼ 0.25% · 3.875%
HK$173,773
−HK$4,604/mo
Today · 4.125%
HK$178,377
baseline
▲ 0.50% · 4.625%
HK$187,780
+HK$9,403/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$356,754/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,160 · Scale 2, in force from 26 Feb 2026)