LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,549
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,179
−HK$2,672/mo
Today · 4.125%
HK$89,851
baseline
▲ 0.50% · 4.625%
HK$95,318
+HK$5,467/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,702/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,575,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,060
−HK$5,081/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$1,575,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,459
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,615
−HK$3,206/mo
Today · 4.125%
HK$107,821
baseline
▲ 0.50% · 4.625%
HK$114,382
+HK$6,561/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$215,642/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,872
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,899
−HK$3,071/mo
Today · 4.125%
HK$118,970
baseline
▲ 0.50% · 4.625%
HK$125,241
+HK$6,271/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$237,940/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,368
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$122,050
−HK$3,741/mo
Today · 4.125%
HK$125,791
baseline
▲ 0.50% · 4.625%
HK$133,445
+HK$7,654/mo
Deposit HK$11.12M · loan HK$25.96M · min. income ≈ HK$251,582/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,684
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$135,215
−HK$3,583/mo
Today · 4.125%
HK$138,798
baseline
▲ 0.50% · 4.625%
HK$146,114
+HK$7,316/mo
Deposit HK$11.12M · loan HK$25.96M · min. income ≈ HK$277,596/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,188
−HK$9,543/mo
▼ 0.25% · 3.875%
HK$156,922
−HK$4,809/mo
Today · 4.125%
HK$161,731
baseline
▲ 0.50% · 4.625%
HK$171,572
+HK$9,841/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$323,462/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,308
−HK$9,147/mo
▼ 0.25% · 3.875%
HK$173,848
−HK$4,607/mo
Today · 4.125%
HK$178,455
baseline
▲ 0.50% · 4.625%
HK$187,861
+HK$9,406/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$356,910/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,843 · Scale 2, in force from 26 Feb 2026)