LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,192
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,749
−HK$2,597/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$1,531,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,438
−HK$4,940/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$1,531,917 · 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$1,531,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,725
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,668
−HK$2,986/mo
Today · 4.125%
HK$115,654
baseline
▲ 0.50% · 4.625%
HK$121,750
+HK$6,096/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,308/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,069
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,648
−HK$3,637/mo
Today · 4.125%
HK$122,285
baseline
▲ 0.50% · 4.625%
HK$129,725
+HK$7,440/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,570/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,531,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,013
−HK$6,916/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$1,531,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,946
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$152,548
−HK$4,675/mo
Today · 4.125%
HK$157,223
baseline
▲ 0.50% · 4.625%
HK$166,790
+HK$9,567/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$1,531,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,588
−HK$8,892/mo
▼ 0.25% · 3.875%
HK$169,002
−HK$4,478/mo
Today · 4.125%
HK$173,480
baseline
▲ 0.50% · 4.625%
HK$182,625
+HK$9,145/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$1,531,917 · Scale 2, in force from 26 Feb 2026)