LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,526
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,155
−HK$2,671/mo
Today · 4.125%
HK$89,826
baseline
▲ 0.50% · 4.625%
HK$95,292
+HK$5,466/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$179,652/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,034
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,556
−HK$2,558/mo
Today · 4.125%
HK$99,114
baseline
▲ 0.50% · 4.625%
HK$104,339
+HK$5,225/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$198,228/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,431
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,586
−HK$3,205/mo
Today · 4.125%
HK$107,791
baseline
▲ 0.50% · 4.625%
HK$114,350
+HK$6,559/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$215,582/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,841
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,867
−HK$3,070/mo
Today · 4.125%
HK$118,937
baseline
▲ 0.50% · 4.625%
HK$125,206
+HK$6,269/mo
Deposit HK$14.83M · loan HK$22.24M · min. income ≈ HK$237,874/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,336
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$122,017
−HK$3,739/mo
Today · 4.125%
HK$125,756
baseline
▲ 0.50% · 4.625%
HK$133,408
+HK$7,652/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$251,512/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,647
−HK$7,113/mo
▼ 0.25% · 3.875%
HK$135,178
−HK$3,582/mo
Today · 4.125%
HK$138,760
baseline
▲ 0.50% · 4.625%
HK$146,074
+HK$7,314/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$277,520/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,146
−HK$9,541/mo
▼ 0.25% · 3.875%
HK$156,879
−HK$4,808/mo
Today · 4.125%
HK$161,687
baseline
▲ 0.50% · 4.625%
HK$171,525
+HK$9,838/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$323,374/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,261
−HK$9,145/mo
▼ 0.25% · 3.875%
HK$173,800
−HK$4,606/mo
Today · 4.125%
HK$178,406
baseline
▲ 0.50% · 4.625%
HK$187,810
+HK$9,404/mo
Deposit HK$3.71M · loan HK$33.36M · min. income ≈ HK$356,812/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,409 · Scale 2, in force from 26 Feb 2026)