LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,185
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,741
−HK$2,598/mo
Today · 4.125%
HK$87,339
baseline
▲ 0.50% · 4.625%
HK$92,653
+HK$5,314/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,678/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,430
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,882
−HK$2,488/mo
Today · 4.125%
HK$96,370
baseline
▲ 0.50% · 4.625%
HK$101,449
+HK$5,079/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,740/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,622
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,690
−HK$3,116/mo
Today · 4.125%
HK$104,806
baseline
▲ 0.50% · 4.625%
HK$111,184
+HK$6,378/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,612/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,716
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,658
−HK$2,985/mo
Today · 4.125%
HK$115,643
baseline
▲ 0.50% · 4.625%
HK$121,739
+HK$6,096/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,286/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,059
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$118,638
−HK$3,636/mo
Today · 4.125%
HK$122,274
baseline
▲ 0.50% · 4.625%
HK$129,714
+HK$7,440/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,548/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,002
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,435
−HK$3,482/mo
Today · 4.125%
HK$134,917
baseline
▲ 0.50% · 4.625%
HK$142,029
+HK$7,112/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,834/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,933
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$152,534
−HK$4,676/mo
Today · 4.125%
HK$157,210
baseline
▲ 0.50% · 4.625%
HK$166,775
+HK$9,565/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$314,420/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,574
−HK$8,891/mo
▼ 0.25% · 3.875%
HK$168,988
−HK$4,477/mo
Today · 4.125%
HK$173,465
baseline
▲ 0.50% · 4.625%
HK$182,609
+HK$9,144/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$346,930/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,784 · Scale 2, in force from 26 Feb 2026)