LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,595
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,226
−HK$2,674/mo
Today · 4.125%
HK$89,900
baseline
▲ 0.50% · 4.625%
HK$95,370
+HK$5,470/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,800/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,111
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,635
−HK$2,560/mo
Today · 4.125%
HK$99,195
baseline
▲ 0.50% · 4.625%
HK$104,424
+HK$5,229/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,390/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,514
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,671
−HK$3,208/mo
Today · 4.125%
HK$107,879
baseline
▲ 0.50% · 4.625%
HK$114,444
+HK$6,565/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,758/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,933
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,962
−HK$3,072/mo
Today · 4.125%
HK$119,034
baseline
▲ 0.50% · 4.625%
HK$125,309
+HK$6,275/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,068/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,433
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$122,117
−HK$3,742/mo
Today · 4.125%
HK$125,859
baseline
▲ 0.50% · 4.625%
HK$133,518
+HK$7,659/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$251,718/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,755
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$135,289
−HK$3,584/mo
Today · 4.125%
HK$138,873
baseline
▲ 0.50% · 4.625%
HK$146,194
+HK$7,321/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$277,746/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,270
−HK$9,549/mo
▼ 0.25% · 3.875%
HK$157,007
−HK$4,812/mo
Today · 4.125%
HK$161,819
baseline
▲ 0.50% · 4.625%
HK$171,665
+HK$9,846/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$323,638/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,399
−HK$9,153/mo
▼ 0.25% · 3.875%
HK$173,943
−HK$4,609/mo
Today · 4.125%
HK$178,552
baseline
▲ 0.50% · 4.625%
HK$187,963
+HK$9,411/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$357,104/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,698 · Scale 2, in force from 26 Feb 2026)