LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,552
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,182
−HK$2,672/mo
Today · 4.125%
HK$89,854
baseline
▲ 0.50% · 4.625%
HK$95,321
+HK$5,467/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,708/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,575,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,063
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,586
−HK$2,559/mo
Today · 4.125%
HK$99,145
baseline
▲ 0.50% · 4.625%
HK$104,371
+HK$5,226/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,290/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,575,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,462
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,618
−HK$3,207/mo
Today · 4.125%
HK$107,825
baseline
▲ 0.50% · 4.625%
HK$114,386
+HK$6,561/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$215,650/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,876
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,903
−HK$3,071/mo
Today · 4.125%
HK$118,974
baseline
▲ 0.50% · 4.625%
HK$125,245
+HK$6,271/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$237,948/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,575,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,373
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$122,055
−HK$3,741/mo
Today · 4.125%
HK$125,796
baseline
▲ 0.50% · 4.625%
HK$133,450
+HK$7,654/mo
Deposit HK$11.12M · loan HK$25.96M · min. income ≈ HK$251,592/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,688
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$135,220
−HK$3,583/mo
Today · 4.125%
HK$138,803
baseline
▲ 0.50% · 4.625%
HK$146,120
+HK$7,317/mo
Deposit HK$11.12M · loan HK$25.96M · min. income ≈ HK$277,606/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,575,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,193
−HK$9,544/mo
▼ 0.25% · 3.875%
HK$156,928
−HK$4,809/mo
Today · 4.125%
HK$161,737
baseline
▲ 0.50% · 4.625%
HK$171,579
+HK$9,842/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$323,474/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,314
−HK$9,147/mo
▼ 0.25% · 3.875%
HK$173,855
−HK$4,606/mo
Today · 4.125%
HK$178,461
baseline
▲ 0.50% · 4.625%
HK$187,868
+HK$9,407/mo
Deposit HK$3.71M · loan HK$33.37M · min. income ≈ HK$356,922/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,901 · Scale 2, in force from 26 Feb 2026)