LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,156
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,712
−HK$2,596/mo
Today · 4.125%
HK$87,308
baseline
▲ 0.50% · 4.625%
HK$92,620
+HK$5,312/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,616/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,398
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,849
−HK$2,487/mo
Today · 4.125%
HK$96,336
baseline
▲ 0.50% · 4.625%
HK$101,414
+HK$5,078/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,672/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,587
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,654
−HK$3,116/mo
Today · 4.125%
HK$104,770
baseline
▲ 0.50% · 4.625%
HK$111,145
+HK$6,375/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$209,540/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,677
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,619
−HK$2,984/mo
Today · 4.125%
HK$115,603
baseline
▲ 0.50% · 4.625%
HK$121,697
+HK$6,094/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$231,206/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,019
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,596
−HK$3,635/mo
Today · 4.125%
HK$122,231
baseline
▲ 0.50% · 4.625%
HK$129,669
+HK$7,438/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$244,462/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,957
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,389
−HK$3,481/mo
Today · 4.125%
HK$134,870
baseline
▲ 0.50% · 4.625%
HK$141,979
+HK$7,109/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$269,740/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,881
−HK$9,273/mo
▼ 0.25% · 3.875%
HK$152,481
−HK$4,673/mo
Today · 4.125%
HK$157,154
baseline
▲ 0.50% · 4.625%
HK$166,717
+HK$9,563/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$314,308/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,516
−HK$8,888/mo
▼ 0.25% · 3.875%
HK$168,928
−HK$4,476/mo
Today · 4.125%
HK$173,404
baseline
▲ 0.50% · 4.625%
HK$182,545
+HK$9,141/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$346,808/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,247 · Scale 2, in force from 26 Feb 2026)