LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,199
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,756
−HK$2,598/mo
Today · 4.125%
HK$87,354
baseline
▲ 0.50% · 4.625%
HK$92,669
+HK$5,315/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,708/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,446
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,898
−HK$2,488/mo
Today · 4.125%
HK$96,386
baseline
▲ 0.50% · 4.625%
HK$101,467
+HK$5,081/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,772/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,639
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,707
−HK$3,118/mo
Today · 4.125%
HK$104,825
baseline
▲ 0.50% · 4.625%
HK$111,203
+HK$6,378/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,650/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,735
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,678
−HK$2,986/mo
Today · 4.125%
HK$115,664
baseline
▲ 0.50% · 4.625%
HK$121,761
+HK$6,097/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,328/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,079
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$118,659
−HK$3,637/mo
Today · 4.125%
HK$122,296
baseline
▲ 0.50% · 4.625%
HK$129,737
+HK$7,441/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,592/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,024
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,458
−HK$3,483/mo
Today · 4.125%
HK$134,941
baseline
▲ 0.50% · 4.625%
HK$142,054
+HK$7,113/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,882/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,959
−HK$9,278/mo
▼ 0.25% · 3.875%
HK$152,561
−HK$4,676/mo
Today · 4.125%
HK$157,237
baseline
▲ 0.50% · 4.625%
HK$166,805
+HK$9,568/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$314,474/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,603
−HK$8,893/mo
▼ 0.25% · 3.875%
HK$169,017
−HK$4,479/mo
Today · 4.125%
HK$173,496
baseline
▲ 0.50% · 4.625%
HK$182,641
+HK$9,145/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$346,992/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,052 · Scale 2, in force from 26 Feb 2026)