LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,544
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,174
−HK$2,672/mo
Today · 4.125%
HK$89,846
baseline
▲ 0.50% · 4.625%
HK$95,313
+HK$5,467/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,692/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,054
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,577
−HK$2,559/mo
Today · 4.125%
HK$99,136
baseline
▲ 0.50% · 4.625%
HK$104,362
+HK$5,226/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,272/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,453
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,609
−HK$3,206/mo
Today · 4.125%
HK$107,815
baseline
▲ 0.50% · 4.625%
HK$114,375
+HK$6,560/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$215,630/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,865
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,892
−HK$3,071/mo
Today · 4.125%
HK$118,963
baseline
▲ 0.50% · 4.625%
HK$125,234
+HK$6,271/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$237,926/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,362
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$122,043
−HK$3,741/mo
Today · 4.125%
HK$125,784
baseline
▲ 0.50% · 4.625%
HK$133,438
+HK$7,654/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$251,568/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,676
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$135,208
−HK$3,582/mo
Today · 4.125%
HK$138,790
baseline
▲ 0.50% · 4.625%
HK$146,106
+HK$7,316/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$277,580/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,179
−HK$9,543/mo
▼ 0.25% · 3.875%
HK$156,913
−HK$4,809/mo
Today · 4.125%
HK$161,722
baseline
▲ 0.50% · 4.625%
HK$171,563
+HK$9,841/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$323,444/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,298
−HK$9,147/mo
▼ 0.25% · 3.875%
HK$173,839
−HK$4,606/mo
Today · 4.125%
HK$178,445
baseline
▲ 0.50% · 4.625%
HK$187,851
+HK$9,406/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$356,890/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,755 · Scale 2, in force from 26 Feb 2026)