LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,228
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,786
−HK$2,598/mo
Today · 4.125%
HK$87,384
baseline
▲ 0.50% · 4.625%
HK$92,702
+HK$5,318/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,768/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,478
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,931
−HK$2,489/mo
Today · 4.125%
HK$96,420
baseline
▲ 0.50% · 4.625%
HK$101,503
+HK$5,083/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,840/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,674
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,743
−HK$3,118/mo
Today · 4.125%
HK$104,861
baseline
▲ 0.50% · 4.625%
HK$111,242
+HK$6,381/mo
Deposit HK$14.42M · loan HK$21.64M · min. income ≈ HK$209,722/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,773
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,718
−HK$2,986/mo
Today · 4.125%
HK$115,704
baseline
▲ 0.50% · 4.625%
HK$121,803
+HK$6,099/mo
Deposit HK$14.42M · loan HK$21.64M · min. income ≈ HK$231,408/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,119
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$118,700
−HK$3,638/mo
Today · 4.125%
HK$122,338
baseline
▲ 0.50% · 4.625%
HK$129,782
+HK$7,444/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,676/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,069
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,504
−HK$3,484/mo
Today · 4.125%
HK$134,988
baseline
▲ 0.50% · 4.625%
HK$142,104
+HK$7,116/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,976/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,010
−HK$9,282/mo
▼ 0.25% · 3.875%
HK$152,614
−HK$4,678/mo
Today · 4.125%
HK$157,292
baseline
▲ 0.50% · 4.625%
HK$166,863
+HK$9,571/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$314,584/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,660
−HK$8,896/mo
▼ 0.25% · 3.875%
HK$169,076
−HK$4,480/mo
Today · 4.125%
HK$173,556
baseline
▲ 0.50% · 4.625%
HK$182,705
+HK$9,149/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$347,112/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,588 · Scale 2, in force from 26 Feb 2026)