LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,117
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,672
−HK$2,595/mo
Today · 4.125%
HK$87,267
baseline
▲ 0.50% · 4.625%
HK$92,577
+HK$5,310/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,534/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,355
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,805
−HK$2,485/mo
Today · 4.125%
HK$96,290
baseline
▲ 0.50% · 4.625%
HK$101,366
+HK$5,076/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,580/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,541
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,606
−HK$3,114/mo
Today · 4.125%
HK$104,720
baseline
▲ 0.50% · 4.625%
HK$111,092
+HK$6,372/mo
Deposit HK$14.40M · loan HK$21.61M · min. income ≈ HK$209,440/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,625
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,566
−HK$2,982/mo
Today · 4.125%
HK$115,548
baseline
▲ 0.50% · 4.625%
HK$121,639
+HK$6,091/mo
Deposit HK$14.40M · loan HK$21.61M · min. income ≈ HK$231,096/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,964
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$118,540
−HK$3,633/mo
Today · 4.125%
HK$122,173
baseline
▲ 0.50% · 4.625%
HK$129,607
+HK$7,434/mo
Deposit HK$10.80M · loan HK$25.21M · min. income ≈ HK$244,346/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,896
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$131,327
−HK$3,479/mo
Today · 4.125%
HK$134,806
baseline
▲ 0.50% · 4.625%
HK$141,912
+HK$7,106/mo
Deposit HK$10.80M · loan HK$25.21M · min. income ≈ HK$269,612/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,811
−HK$9,269/mo
▼ 0.25% · 3.875%
HK$152,409
−HK$4,671/mo
Today · 4.125%
HK$157,080
baseline
▲ 0.50% · 4.625%
HK$166,638
+HK$9,558/mo
Deposit HK$3.60M · loan HK$32.41M · min. income ≈ HK$314,160/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,438
−HK$8,884/mo
▼ 0.25% · 3.875%
HK$168,848
−HK$4,474/mo
Today · 4.125%
HK$173,322
baseline
▲ 0.50% · 4.625%
HK$182,458
+HK$9,136/mo
Deposit HK$3.60M · loan HK$32.41M · min. income ≈ HK$346,644/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,522 · Scale 2, in force from 26 Feb 2026)