LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,191
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,748
−HK$2,598/mo
Today · 4.125%
HK$87,346
baseline
▲ 0.50% · 4.625%
HK$92,660
+HK$5,314/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,692/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,437
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,889
−HK$2,488/mo
Today · 4.125%
HK$96,377
baseline
▲ 0.50% · 4.625%
HK$101,457
+HK$5,080/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,754/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,630
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,698
−HK$3,117/mo
Today · 4.125%
HK$104,815
baseline
▲ 0.50% · 4.625%
HK$111,192
+HK$6,377/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,630/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,725
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,667
−HK$2,986/mo
Today · 4.125%
HK$115,653
baseline
▲ 0.50% · 4.625%
HK$121,749
+HK$6,096/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,306/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,068
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,647
−HK$3,637/mo
Today · 4.125%
HK$122,284
baseline
▲ 0.50% · 4.625%
HK$129,724
+HK$7,440/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,568/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,012
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,445
−HK$3,483/mo
Today · 4.125%
HK$134,928
baseline
▲ 0.50% · 4.625%
HK$142,040
+HK$7,112/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,856/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,945
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$152,547
−HK$4,675/mo
Today · 4.125%
HK$157,222
baseline
▲ 0.50% · 4.625%
HK$166,789
+HK$9,567/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$314,444/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,587
−HK$8,892/mo
▼ 0.25% · 3.875%
HK$169,001
−HK$4,478/mo
Today · 4.125%
HK$173,479
baseline
▲ 0.50% · 4.625%
HK$182,623
+HK$9,144/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$346,958/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,906 · Scale 2, in force from 26 Feb 2026)