LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,180
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,736
−HK$2,598/mo
Today · 4.125%
HK$87,334
baseline
▲ 0.50% · 4.625%
HK$92,648
+HK$5,314/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,668/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,425
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,877
−HK$2,487/mo
Today · 4.125%
HK$96,364
baseline
▲ 0.50% · 4.625%
HK$101,443
+HK$5,079/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,728/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,616
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,684
−HK$3,116/mo
Today · 4.125%
HK$104,800
baseline
▲ 0.50% · 4.625%
HK$111,177
+HK$6,377/mo
Deposit HK$14.42M · loan HK$21.62M · min. income ≈ HK$209,600/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,710
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,652
−HK$2,985/mo
Today · 4.125%
HK$115,637
baseline
▲ 0.50% · 4.625%
HK$121,732
+HK$6,095/mo
Deposit HK$14.42M · loan HK$21.62M · min. income ≈ HK$231,274/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,052
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$118,631
−HK$3,636/mo
Today · 4.125%
HK$122,267
baseline
▲ 0.50% · 4.625%
HK$129,707
+HK$7,440/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,534/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,994
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,427
−HK$3,483/mo
Today · 4.125%
HK$134,910
baseline
▲ 0.50% · 4.625%
HK$142,021
+HK$7,111/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,820/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,924
−HK$9,276/mo
▼ 0.25% · 3.875%
HK$152,526
−HK$4,674/mo
Today · 4.125%
HK$157,200
baseline
▲ 0.50% · 4.625%
HK$166,766
+HK$9,566/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$314,400/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,564
−HK$8,891/mo
▼ 0.25% · 3.875%
HK$168,978
−HK$4,477/mo
Today · 4.125%
HK$173,455
baseline
▲ 0.50% · 4.625%
HK$182,598
+HK$9,143/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$346,910/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,695 · Scale 2, in force from 26 Feb 2026)