LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,597
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,228
−HK$2,674/mo
Today · 4.125%
HK$89,902
baseline
▲ 0.50% · 4.625%
HK$95,372
+HK$5,470/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,804/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,113
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,637
−HK$2,561/mo
Today · 4.125%
HK$99,198
baseline
▲ 0.50% · 4.625%
HK$104,427
+HK$5,229/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,396/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,516
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,674
−HK$3,208/mo
Today · 4.125%
HK$107,882
baseline
▲ 0.50% · 4.625%
HK$114,447
+HK$6,565/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,764/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,936
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,965
−HK$3,073/mo
Today · 4.125%
HK$119,038
baseline
▲ 0.50% · 4.625%
HK$125,312
+HK$6,274/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,076/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,436
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$122,120
−HK$3,743/mo
Today · 4.125%
HK$125,863
baseline
▲ 0.50% · 4.625%
HK$133,521
+HK$7,658/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$251,726/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,759
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$135,292
−HK$3,585/mo
Today · 4.125%
HK$138,877
baseline
▲ 0.50% · 4.625%
HK$146,198
+HK$7,321/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$277,754/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,275
−HK$9,549/mo
▼ 0.25% · 3.875%
HK$157,011
−HK$4,813/mo
Today · 4.125%
HK$161,824
baseline
▲ 0.50% · 4.625%
HK$171,670
+HK$9,846/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$323,648/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,404
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$173,947
−HK$4,609/mo
Today · 4.125%
HK$178,556
baseline
▲ 0.50% · 4.625%
HK$187,968
+HK$9,412/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$357,112/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,741 · Scale 2, in force from 26 Feb 2026)