LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,192
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,748
−HK$2,598/mo
Today · 4.125%
HK$87,346
baseline
▲ 0.50% · 4.625%
HK$92,661
+HK$5,315/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$1,531,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,437
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,890
−HK$2,488/mo
Today · 4.125%
HK$96,378
baseline
▲ 0.50% · 4.625%
HK$101,458
+HK$5,080/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,756/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,910 · 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$111,193
+HK$6,378/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$1,531,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,725
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,668
−HK$2,985/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$1,531,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,068
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,648
−HK$3,636/mo
Today · 4.125%
HK$122,284
baseline
▲ 0.50% · 4.625%
HK$129,725
+HK$7,441/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$1,531,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,012
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,446
−HK$3,483/mo
Today · 4.125%
HK$134,929
baseline
▲ 0.50% · 4.625%
HK$142,041
+HK$7,112/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,858/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,531,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,945
−HK$9,278/mo
▼ 0.25% · 3.875%
HK$152,547
−HK$4,676/mo
Today · 4.125%
HK$157,223
baseline
▲ 0.50% · 4.625%
HK$166,789
+HK$9,566/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$314,446/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,587
−HK$8,893/mo
▼ 0.25% · 3.875%
HK$169,002
−HK$4,478/mo
Today · 4.125%
HK$173,480
baseline
▲ 0.50% · 4.625%
HK$182,624
+HK$9,144/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$346,960/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,910 · Scale 2, in force from 26 Feb 2026)