LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,607
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,239
−HK$2,673/mo
Today · 4.125%
HK$89,912
baseline
▲ 0.50% · 4.625%
HK$95,383
+HK$5,471/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,824/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,124
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,649
−HK$2,560/mo
Today · 4.125%
HK$99,209
baseline
▲ 0.50% · 4.625%
HK$104,439
+HK$5,230/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,418/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,576,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,528
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,686
−HK$3,209/mo
Today · 4.125%
HK$107,895
baseline
▲ 0.50% · 4.625%
HK$114,460
+HK$6,565/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,790/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,949
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,978
−HK$3,073/mo
Today · 4.125%
HK$119,051
baseline
▲ 0.50% · 4.625%
HK$125,327
+HK$6,276/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,102/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,576,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,450
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$122,134
−HK$3,743/mo
Today · 4.125%
HK$125,877
baseline
▲ 0.50% · 4.625%
HK$133,537
+HK$7,660/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$251,754/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,774
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$135,308
−HK$3,585/mo
Today · 4.125%
HK$138,893
baseline
▲ 0.50% · 4.625%
HK$146,215
+HK$7,322/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$277,786/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,292
−HK$9,550/mo
▼ 0.25% · 3.875%
HK$157,029
−HK$4,813/mo
Today · 4.125%
HK$161,842
baseline
▲ 0.50% · 4.625%
HK$171,690
+HK$9,848/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$323,684/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,424
−HK$9,153/mo
▼ 0.25% · 3.875%
HK$173,968
−HK$4,609/mo
Today · 4.125%
HK$178,577
baseline
▲ 0.50% · 4.625%
HK$187,990
+HK$9,413/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$357,154/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,924 · Scale 2, in force from 26 Feb 2026)