LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,197
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,754
−HK$2,598/mo
Today · 4.125%
HK$87,352
baseline
▲ 0.50% · 4.625%
HK$92,667
+HK$5,315/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,704/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,444
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,896
−HK$2,488/mo
Today · 4.125%
HK$96,384
baseline
▲ 0.50% · 4.625%
HK$101,465
+HK$5,081/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,768/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,637
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,705
−HK$3,117/mo
Today · 4.125%
HK$104,822
baseline
▲ 0.50% · 4.625%
HK$111,200
+HK$6,378/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,644/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,732
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,675
−HK$2,986/mo
Today · 4.125%
HK$115,661
baseline
▲ 0.50% · 4.625%
HK$121,758
+HK$6,097/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,322/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,076
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$118,656
−HK$3,637/mo
Today · 4.125%
HK$122,293
baseline
▲ 0.50% · 4.625%
HK$129,734
+HK$7,441/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,586/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,021
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,455
−HK$3,483/mo
Today · 4.125%
HK$134,938
baseline
▲ 0.50% · 4.625%
HK$142,051
+HK$7,113/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,876/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,955
−HK$9,278/mo
▼ 0.25% · 3.875%
HK$152,558
−HK$4,675/mo
Today · 4.125%
HK$157,233
baseline
▲ 0.50% · 4.625%
HK$166,801
+HK$9,568/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$314,466/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,599
−HK$8,893/mo
▼ 0.25% · 3.875%
HK$169,013
−HK$4,479/mo
Today · 4.125%
HK$173,492
baseline
▲ 0.50% · 4.625%
HK$182,636
+HK$9,144/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$346,984/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,016 · Scale 2, in force from 26 Feb 2026)