LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,138
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,693
−HK$2,595/mo
Today · 4.125%
HK$87,288
baseline
▲ 0.50% · 4.625%
HK$92,600
+HK$5,312/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,576/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,377
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,828
−HK$2,486/mo
Today · 4.125%
HK$96,314
baseline
▲ 0.50% · 4.625%
HK$101,391
+HK$5,077/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,628/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,565
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,631
−HK$3,115/mo
Today · 4.125%
HK$104,746
baseline
▲ 0.50% · 4.625%
HK$111,120
+HK$6,374/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$209,492/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,653
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,593
−HK$2,984/mo
Today · 4.125%
HK$115,577
baseline
▲ 0.50% · 4.625%
HK$121,669
+HK$6,092/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$231,154/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,993
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,570
−HK$3,634/mo
Today · 4.125%
HK$122,204
baseline
▲ 0.50% · 4.625%
HK$129,639
+HK$7,435/mo
Deposit HK$10.81M · loan HK$25.21M · min. income ≈ HK$244,408/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,928
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,359
−HK$3,481/mo
Today · 4.125%
HK$134,840
baseline
▲ 0.50% · 4.625%
HK$141,947
+HK$7,107/mo
Deposit HK$10.81M · loan HK$25.21M · min. income ≈ HK$269,680/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,848
−HK$9,271/mo
▼ 0.25% · 3.875%
HK$152,447
−HK$4,672/mo
Today · 4.125%
HK$157,119
baseline
▲ 0.50% · 4.625%
HK$166,679
+HK$9,560/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$314,238/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,479
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$168,890
−HK$4,475/mo
Today · 4.125%
HK$173,365
baseline
▲ 0.50% · 4.625%
HK$182,504
+HK$9,139/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$346,730/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,901 · Scale 2, in force from 26 Feb 2026)