LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,230
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,787
−HK$2,599/mo
Today · 4.125%
HK$87,386
baseline
▲ 0.50% · 4.625%
HK$92,703
+HK$5,317/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,772/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,480
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,933
−HK$2,489/mo
Today · 4.125%
HK$96,422
baseline
▲ 0.50% · 4.625%
HK$101,505
+HK$5,083/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,844/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,676
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,745
−HK$3,118/mo
Today · 4.125%
HK$104,863
baseline
▲ 0.50% · 4.625%
HK$111,244
+HK$6,381/mo
Deposit HK$14.42M · loan HK$21.64M · min. income ≈ HK$209,726/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,776
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$112,720
−HK$2,986/mo
Today · 4.125%
HK$115,706
baseline
▲ 0.50% · 4.625%
HK$121,805
+HK$6,099/mo
Deposit HK$14.42M · loan HK$21.64M · min. income ≈ HK$231,412/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,121
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,702
−HK$3,639/mo
Today · 4.125%
HK$122,341
baseline
▲ 0.50% · 4.625%
HK$129,785
+HK$7,444/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,682/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,071
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$131,506
−HK$3,485/mo
Today · 4.125%
HK$134,991
baseline
▲ 0.50% · 4.625%
HK$142,106
+HK$7,115/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,982/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,013
−HK$9,282/mo
▼ 0.25% · 3.875%
HK$152,617
−HK$4,678/mo
Today · 4.125%
HK$157,295
baseline
▲ 0.50% · 4.625%
HK$166,866
+HK$9,571/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$314,590/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,663
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$169,080
−HK$4,480/mo
Today · 4.125%
HK$173,560
baseline
▲ 0.50% · 4.625%
HK$182,708
+HK$9,148/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$347,120/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,617 · Scale 2, in force from 26 Feb 2026)