LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,145
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,701
−HK$2,596/mo
Today · 4.125%
HK$87,297
baseline
▲ 0.50% · 4.625%
HK$92,608
+HK$5,311/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,594/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,531,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,386
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,837
−HK$2,486/mo
Today · 4.125%
HK$96,323
baseline
▲ 0.50% · 4.625%
HK$101,401
+HK$5,078/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,646/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,531,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,575
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,641
−HK$3,115/mo
Today · 4.125%
HK$104,756
baseline
▲ 0.50% · 4.625%
HK$111,130
+HK$6,374/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$209,512/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,663
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,604
−HK$2,984/mo
Today · 4.125%
HK$115,588
baseline
▲ 0.50% · 4.625%
HK$121,681
+HK$6,093/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$231,176/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,004
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,581
−HK$3,634/mo
Today · 4.125%
HK$122,215
baseline
▲ 0.50% · 4.625%
HK$129,652
+HK$7,437/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$244,430/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,940
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,372
−HK$3,481/mo
Today · 4.125%
HK$134,853
baseline
▲ 0.50% · 4.625%
HK$141,961
+HK$7,108/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$269,706/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,862
−HK$9,272/mo
▼ 0.25% · 3.875%
HK$152,461
−HK$4,673/mo
Today · 4.125%
HK$157,134
baseline
▲ 0.50% · 4.625%
HK$166,695
+HK$9,561/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$314,268/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,495
−HK$8,887/mo
▼ 0.25% · 3.875%
HK$168,906
−HK$4,476/mo
Today · 4.125%
HK$173,382
baseline
▲ 0.50% · 4.625%
HK$182,521
+HK$9,139/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$346,764/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,048 · Scale 2, in force from 26 Feb 2026)