LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,550
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,180
−HK$2,672/mo
Today · 4.125%
HK$89,852
baseline
▲ 0.50% · 4.625%
HK$95,319
+HK$5,467/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,704/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,575,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,061
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,583
−HK$2,560/mo
Today · 4.125%
HK$99,143
baseline
▲ 0.50% · 4.625%
HK$104,369
+HK$5,226/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,286/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,575,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,460
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,616
−HK$3,206/mo
Today · 4.125%
HK$107,822
baseline
▲ 0.50% · 4.625%
HK$114,383
+HK$6,561/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$215,644/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,873
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,900
−HK$3,071/mo
Today · 4.125%
HK$118,971
baseline
▲ 0.50% · 4.625%
HK$125,242
+HK$6,271/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$237,942/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,370
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$122,052
−HK$3,741/mo
Today · 4.125%
HK$125,793
baseline
▲ 0.50% · 4.625%
HK$133,447
+HK$7,654/mo
Deposit HK$11.12M · loan HK$25.96M · min. income ≈ HK$251,586/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,685
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$135,217
−HK$3,583/mo
Today · 4.125%
HK$138,800
baseline
▲ 0.50% · 4.625%
HK$146,116
+HK$7,316/mo
Deposit HK$11.12M · loan HK$25.96M · min. income ≈ HK$277,600/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,190
−HK$9,543/mo
▼ 0.25% · 3.875%
HK$156,924
−HK$4,809/mo
Today · 4.125%
HK$161,733
baseline
▲ 0.50% · 4.625%
HK$171,574
+HK$9,841/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$323,466/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,309
−HK$9,148/mo
▼ 0.25% · 3.875%
HK$173,850
−HK$4,607/mo
Today · 4.125%
HK$178,457
baseline
▲ 0.50% · 4.625%
HK$187,863
+HK$9,406/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$356,914/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,861 · Scale 2, in force from 26 Feb 2026)