LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,193
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,750
−HK$2,598/mo
Today · 4.125%
HK$87,348
baseline
▲ 0.50% · 4.625%
HK$92,663
+HK$5,315/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,696/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,439
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,892
−HK$2,488/mo
Today · 4.125%
HK$96,380
baseline
▲ 0.50% · 4.625%
HK$101,460
+HK$5,080/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,760/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,632
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,700
−HK$3,117/mo
Today · 4.125%
HK$104,817
baseline
▲ 0.50% · 4.625%
HK$111,195
+HK$6,378/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,634/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,727
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,670
−HK$2,985/mo
Today · 4.125%
HK$115,655
baseline
▲ 0.50% · 4.625%
HK$121,752
+HK$6,097/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,310/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,071
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,650
−HK$3,637/mo
Today · 4.125%
HK$122,287
baseline
▲ 0.50% · 4.625%
HK$129,728
+HK$7,441/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,574/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,531,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,015
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,448
−HK$3,483/mo
Today · 4.125%
HK$134,931
baseline
▲ 0.50% · 4.625%
HK$142,044
+HK$7,113/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,862/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,531,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,948
−HK$9,278/mo
▼ 0.25% · 3.875%
HK$152,550
−HK$4,676/mo
Today · 4.125%
HK$157,226
baseline
▲ 0.50% · 4.625%
HK$166,793
+HK$9,567/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$314,452/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,591
−HK$8,892/mo
▼ 0.25% · 3.875%
HK$169,005
−HK$4,478/mo
Today · 4.125%
HK$173,483
baseline
▲ 0.50% · 4.625%
HK$182,628
+HK$9,145/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$346,966/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,942 · Scale 2, in force from 26 Feb 2026)