LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,620
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,252
−HK$2,675/mo
Today · 4.125%
HK$89,927
baseline
▲ 0.50% · 4.625%
HK$95,399
+HK$5,472/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,854/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,577,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,139
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,664
−HK$2,561/mo
Today · 4.125%
HK$99,225
baseline
▲ 0.50% · 4.625%
HK$104,456
+HK$5,231/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,450/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,577,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,544
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$104,703
−HK$3,209/mo
Today · 4.125%
HK$107,912
baseline
▲ 0.50% · 4.625%
HK$114,478
+HK$6,566/mo
Deposit HK$14.84M · loan HK$22.27M · min. income ≈ HK$215,824/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,967
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,997
−HK$3,073/mo
Today · 4.125%
HK$119,070
baseline
▲ 0.50% · 4.625%
HK$125,347
+HK$6,277/mo
Deposit HK$14.84M · loan HK$22.27M · min. income ≈ HK$238,140/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,468
−HK$7,429/mo
▼ 0.25% · 3.875%
HK$122,153
−HK$3,744/mo
Today · 4.125%
HK$125,897
baseline
▲ 0.50% · 4.625%
HK$133,558
+HK$7,661/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$251,794/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,795
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$135,330
−HK$3,585/mo
Today · 4.125%
HK$138,915
baseline
▲ 0.50% · 4.625%
HK$146,238
+HK$7,323/mo
Deposit HK$11.13M · loan HK$25.98M · min. income ≈ HK$277,830/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,317
−HK$9,551/mo
▼ 0.25% · 3.875%
HK$157,054
−HK$4,814/mo
Today · 4.125%
HK$161,868
baseline
▲ 0.50% · 4.625%
HK$171,717
+HK$9,849/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$323,736/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,451
−HK$9,154/mo
▼ 0.25% · 3.875%
HK$173,995
−HK$4,610/mo
Today · 4.125%
HK$178,605
baseline
▲ 0.50% · 4.625%
HK$188,020
+HK$9,415/mo
Deposit HK$3.71M · loan HK$33.40M · min. income ≈ HK$357,210/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,175 · Scale 2, in force from 26 Feb 2026)