LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,207
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,764
−HK$2,598/mo
Today · 4.125%
HK$87,362
baseline
▲ 0.50% · 4.625%
HK$92,678
+HK$5,316/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,724/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,455
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,907
−HK$2,489/mo
Today · 4.125%
HK$96,396
baseline
▲ 0.50% · 4.625%
HK$101,477
+HK$5,081/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,792/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,649
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,717
−HK$3,118/mo
Today · 4.125%
HK$104,835
baseline
▲ 0.50% · 4.625%
HK$111,214
+HK$6,379/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,670/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,746
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,689
−HK$2,986/mo
Today · 4.125%
HK$115,675
baseline
▲ 0.50% · 4.625%
HK$121,772
+HK$6,097/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,350/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,090
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$118,670
−HK$3,637/mo
Today · 4.125%
HK$122,307
baseline
▲ 0.50% · 4.625%
HK$129,749
+HK$7,442/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,614/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,037
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,470
−HK$3,484/mo
Today · 4.125%
HK$134,954
baseline
▲ 0.50% · 4.625%
HK$142,068
+HK$7,114/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,908/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,973
−HK$9,279/mo
▼ 0.25% · 3.875%
HK$152,576
−HK$4,676/mo
Today · 4.125%
HK$157,252
baseline
▲ 0.50% · 4.625%
HK$166,821
+HK$9,569/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$314,504/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,618
−HK$8,894/mo
▼ 0.25% · 3.875%
HK$169,033
−HK$4,479/mo
Today · 4.125%
HK$173,512
baseline
▲ 0.50% · 4.625%
HK$182,658
+HK$9,146/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$347,024/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,199 · Scale 2, in force from 26 Feb 2026)