LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,125
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,679
−HK$2,596/mo
Today · 4.125%
HK$87,275
baseline
▲ 0.50% · 4.625%
HK$92,585
+HK$5,310/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,550/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,363
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,813
−HK$2,486/mo
Today · 4.125%
HK$96,299
baseline
▲ 0.50% · 4.625%
HK$101,375
+HK$5,076/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,598/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,549
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,615
−HK$3,114/mo
Today · 4.125%
HK$104,729
baseline
▲ 0.50% · 4.625%
HK$111,102
+HK$6,373/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$209,458/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,635
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,576
−HK$2,983/mo
Today · 4.125%
HK$115,559
baseline
▲ 0.50% · 4.625%
HK$121,650
+HK$6,091/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$231,118/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,974
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$118,551
−HK$3,633/mo
Today · 4.125%
HK$122,184
baseline
▲ 0.50% · 4.625%
HK$129,619
+HK$7,435/mo
Deposit HK$10.80M · loan HK$25.21M · min. income ≈ HK$244,368/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,908
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$131,338
−HK$3,480/mo
Today · 4.125%
HK$134,818
baseline
▲ 0.50% · 4.625%
HK$141,925
+HK$7,107/mo
Deposit HK$10.80M · loan HK$25.21M · min. income ≈ HK$269,636/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,824
−HK$9,270/mo
▼ 0.25% · 3.875%
HK$152,422
−HK$4,672/mo
Today · 4.125%
HK$157,094
baseline
▲ 0.50% · 4.625%
HK$166,653
+HK$9,559/mo
Deposit HK$3.60M · loan HK$32.41M · min. income ≈ HK$314,188/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,453
−HK$8,885/mo
▼ 0.25% · 3.875%
HK$168,864
−HK$4,474/mo
Today · 4.125%
HK$173,338
baseline
▲ 0.50% · 4.625%
HK$182,475
+HK$9,137/mo
Deposit HK$3.60M · loan HK$32.41M · min. income ≈ HK$346,676/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,659 · Scale 2, in force from 26 Feb 2026)