LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,614
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,246
−HK$2,674/mo
Today · 4.125%
HK$89,920
baseline
▲ 0.50% · 4.625%
HK$95,392
+HK$5,472/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,840/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,577,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,132
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,657
−HK$2,561/mo
Today · 4.125%
HK$99,218
baseline
▲ 0.50% · 4.625%
HK$104,448
+HK$5,230/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,436/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,577,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,537
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,695
−HK$3,209/mo
Today · 4.125%
HK$107,904
baseline
▲ 0.50% · 4.625%
HK$114,470
+HK$6,566/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,808/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,959
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,988
−HK$3,074/mo
Today · 4.125%
HK$119,062
baseline
▲ 0.50% · 4.625%
HK$125,337
+HK$6,275/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,124/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,460
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$122,144
−HK$3,744/mo
Today · 4.125%
HK$125,888
baseline
▲ 0.50% · 4.625%
HK$133,548
+HK$7,660/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$251,776/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,785
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$135,320
−HK$3,585/mo
Today · 4.125%
HK$138,905
baseline
▲ 0.50% · 4.625%
HK$146,227
+HK$7,322/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$277,810/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,305
−HK$9,551/mo
▼ 0.25% · 3.875%
HK$157,043
−HK$4,813/mo
Today · 4.125%
HK$161,856
baseline
▲ 0.50% · 4.625%
HK$171,705
+HK$9,849/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$323,712/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,438
−HK$9,154/mo
▼ 0.25% · 3.875%
HK$173,982
−HK$4,610/mo
Today · 4.125%
HK$178,592
baseline
▲ 0.50% · 4.625%
HK$188,006
+HK$9,414/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$357,184/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,059 · Scale 2, in force from 26 Feb 2026)