LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,144
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,699
−HK$2,596/mo
Today · 4.125%
HK$87,295
baseline
▲ 0.50% · 4.625%
HK$92,607
+HK$5,312/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,590/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,531,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,384
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,835
−HK$2,487/mo
Today · 4.125%
HK$96,322
baseline
▲ 0.50% · 4.625%
HK$101,399
+HK$5,077/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,644/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,531,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,573
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,639
−HK$3,115/mo
Today · 4.125%
HK$104,754
baseline
▲ 0.50% · 4.625%
HK$111,128
+HK$6,374/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$209,508/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,661
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,602
−HK$2,984/mo
Today · 4.125%
HK$115,586
baseline
▲ 0.50% · 4.625%
HK$121,679
+HK$6,093/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$231,172/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,002
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,579
−HK$3,634/mo
Today · 4.125%
HK$122,213
baseline
▲ 0.50% · 4.625%
HK$129,650
+HK$7,437/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$244,426/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,938
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,369
−HK$3,481/mo
Today · 4.125%
HK$134,850
baseline
▲ 0.50% · 4.625%
HK$141,958
+HK$7,108/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$269,700/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,859
−HK$9,272/mo
▼ 0.25% · 3.875%
HK$152,458
−HK$4,673/mo
Today · 4.125%
HK$157,131
baseline
▲ 0.50% · 4.625%
HK$166,692
+HK$9,561/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$314,262/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,492
−HK$8,887/mo
▼ 0.25% · 3.875%
HK$168,903
−HK$4,476/mo
Today · 4.125%
HK$173,379
baseline
▲ 0.50% · 4.625%
HK$182,518
+HK$9,139/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$346,758/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,021 · Scale 2, in force from 26 Feb 2026)