LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,187
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,744
−HK$2,597/mo
Today · 4.125%
HK$87,341
baseline
▲ 0.50% · 4.625%
HK$92,656
+HK$5,315/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,682/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,432
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,885
−HK$2,487/mo
Today · 4.125%
HK$96,372
baseline
▲ 0.50% · 4.625%
HK$101,452
+HK$5,080/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,744/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,625
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,692
−HK$3,117/mo
Today · 4.125%
HK$104,809
baseline
▲ 0.50% · 4.625%
HK$111,187
+HK$6,378/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,618/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,719
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,662
−HK$2,985/mo
Today · 4.125%
HK$115,647
baseline
▲ 0.50% · 4.625%
HK$121,743
+HK$6,096/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,294/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,062
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$118,641
−HK$3,636/mo
Today · 4.125%
HK$122,277
baseline
▲ 0.50% · 4.625%
HK$129,718
+HK$7,441/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,554/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,005
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,438
−HK$3,483/mo
Today · 4.125%
HK$134,921
baseline
▲ 0.50% · 4.625%
HK$142,033
+HK$7,112/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,842/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,937
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$152,539
−HK$4,675/mo
Today · 4.125%
HK$157,214
baseline
▲ 0.50% · 4.625%
HK$166,780
+HK$9,566/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$314,428/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,578
−HK$8,892/mo
▼ 0.25% · 3.875%
HK$168,992
−HK$4,478/mo
Today · 4.125%
HK$173,470
baseline
▲ 0.50% · 4.625%
HK$182,614
+HK$9,144/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$346,940/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,826 · Scale 2, in force from 26 Feb 2026)