LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,566
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,197
−HK$2,672/mo
Today · 4.125%
HK$89,869
baseline
▲ 0.50% · 4.625%
HK$95,337
+HK$5,468/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,738/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,079
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,602
−HK$2,560/mo
Today · 4.125%
HK$99,162
baseline
▲ 0.50% · 4.625%
HK$104,389
+HK$5,227/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,324/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,479
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,636
−HK$3,207/mo
Today · 4.125%
HK$107,843
baseline
▲ 0.50% · 4.625%
HK$114,405
+HK$6,562/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$215,686/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,895
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,922
−HK$3,072/mo
Today · 4.125%
HK$118,994
baseline
▲ 0.50% · 4.625%
HK$125,266
+HK$6,272/mo
Deposit HK$14.83M · loan HK$22.25M · min. income ≈ HK$237,988/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,392
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,075
−HK$3,742/mo
Today · 4.125%
HK$125,817
baseline
▲ 0.50% · 4.625%
HK$133,472
+HK$7,655/mo
Deposit HK$11.13M · loan HK$25.96M · min. income ≈ HK$251,634/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,710
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,243
−HK$3,583/mo
Today · 4.125%
HK$138,826
baseline
▲ 0.50% · 4.625%
HK$146,144
+HK$7,318/mo
Deposit HK$11.13M · loan HK$25.96M · min. income ≈ HK$277,652/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,219
−HK$9,545/mo
▼ 0.25% · 3.875%
HK$156,954
−HK$4,810/mo
Today · 4.125%
HK$161,764
baseline
▲ 0.50% · 4.625%
HK$171,607
+HK$9,843/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$323,528/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,576,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,342
−HK$9,149/mo
▼ 0.25% · 3.875%
HK$173,884
−HK$4,607/mo
Today · 4.125%
HK$178,491
baseline
▲ 0.50% · 4.625%
HK$187,899
+HK$9,408/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$356,982/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,576,164 · Scale 2, in force from 26 Feb 2026)