LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,196
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,753
−HK$2,598/mo
Today · 4.125%
HK$87,351
baseline
▲ 0.50% · 4.625%
HK$92,666
+HK$5,315/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,702/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,443
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,895
−HK$2,488/mo
Today · 4.125%
HK$96,383
baseline
▲ 0.50% · 4.625%
HK$101,464
+HK$5,081/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,766/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,636
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,704
−HK$3,117/mo
Today · 4.125%
HK$104,821
baseline
▲ 0.50% · 4.625%
HK$111,199
+HK$6,378/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,642/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,731
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,674
−HK$2,986/mo
Today · 4.125%
HK$115,660
baseline
▲ 0.50% · 4.625%
HK$121,756
+HK$6,096/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,320/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,075
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,654
−HK$3,637/mo
Today · 4.125%
HK$122,291
baseline
▲ 0.50% · 4.625%
HK$129,732
+HK$7,441/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,582/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,020
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,453
−HK$3,483/mo
Today · 4.125%
HK$134,936
baseline
▲ 0.50% · 4.625%
HK$142,049
+HK$7,113/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,872/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,954
−HK$9,278/mo
▼ 0.25% · 3.875%
HK$152,556
−HK$4,676/mo
Today · 4.125%
HK$157,232
baseline
▲ 0.50% · 4.625%
HK$166,799
+HK$9,567/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$314,464/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,597
−HK$8,892/mo
▼ 0.25% · 3.875%
HK$169,011
−HK$4,478/mo
Today · 4.125%
HK$173,489
baseline
▲ 0.50% · 4.625%
HK$182,634
+HK$9,145/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$346,978/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,998 · Scale 2, in force from 26 Feb 2026)