LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,546
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,176
−HK$2,672/mo
Today · 4.125%
HK$89,848
baseline
▲ 0.50% · 4.625%
HK$95,315
+HK$5,467/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,696/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,057
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,579
−HK$2,559/mo
Today · 4.125%
HK$99,138
baseline
▲ 0.50% · 4.625%
HK$104,364
+HK$5,226/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,276/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,575,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,455
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,611
−HK$3,207/mo
Today · 4.125%
HK$107,818
baseline
▲ 0.50% · 4.625%
HK$114,378
+HK$6,560/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$215,636/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,868
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,895
−HK$3,071/mo
Today · 4.125%
HK$118,966
baseline
▲ 0.50% · 4.625%
HK$125,237
+HK$6,271/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$237,932/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,365
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$122,046
−HK$3,741/mo
Today · 4.125%
HK$125,787
baseline
▲ 0.50% · 4.625%
HK$133,441
+HK$7,654/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$251,574/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,679
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$135,211
−HK$3,583/mo
Today · 4.125%
HK$138,794
baseline
▲ 0.50% · 4.625%
HK$146,110
+HK$7,316/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$277,588/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,183
−HK$9,543/mo
▼ 0.25% · 3.875%
HK$156,917
−HK$4,809/mo
Today · 4.125%
HK$161,726
baseline
▲ 0.50% · 4.625%
HK$171,567
+HK$9,841/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$323,452/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,302
−HK$9,147/mo
▼ 0.25% · 3.875%
HK$173,843
−HK$4,606/mo
Today · 4.125%
HK$178,449
baseline
▲ 0.50% · 4.625%
HK$187,855
+HK$9,406/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$356,898/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,793 · Scale 2, in force from 26 Feb 2026)