LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,548
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,178
−HK$2,672/mo
Today · 4.125%
HK$89,850
baseline
▲ 0.50% · 4.625%
HK$95,317
+HK$5,467/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,700/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,575,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,059
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,582
−HK$2,559/mo
Today · 4.125%
HK$99,141
baseline
▲ 0.50% · 4.625%
HK$104,367
+HK$5,226/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,282/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,575,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,458
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,614
−HK$3,206/mo
Today · 4.125%
HK$107,820
baseline
▲ 0.50% · 4.625%
HK$114,381
+HK$6,561/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$215,640/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,871
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,898
−HK$3,071/mo
Today · 4.125%
HK$118,969
baseline
▲ 0.50% · 4.625%
HK$125,240
+HK$6,271/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$237,938/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,368
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$122,049
−HK$3,741/mo
Today · 4.125%
HK$125,790
baseline
▲ 0.50% · 4.625%
HK$133,444
+HK$7,654/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$251,580/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,683
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$135,214
−HK$3,583/mo
Today · 4.125%
HK$138,797
baseline
▲ 0.50% · 4.625%
HK$146,113
+HK$7,316/mo
Deposit HK$11.12M · loan HK$25.95M · min. income ≈ HK$277,594/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,187
−HK$9,543/mo
▼ 0.25% · 3.875%
HK$156,921
−HK$4,809/mo
Today · 4.125%
HK$161,730
baseline
▲ 0.50% · 4.625%
HK$171,571
+HK$9,841/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$323,460/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,306
−HK$9,147/mo
▼ 0.25% · 3.875%
HK$173,847
−HK$4,606/mo
Today · 4.125%
HK$178,453
baseline
▲ 0.50% · 4.625%
HK$187,860
+HK$9,407/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$356,906/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,832 · Scale 2, in force from 26 Feb 2026)