LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,236
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,794
−HK$2,599/mo
Today · 4.125%
HK$87,393
baseline
▲ 0.50% · 4.625%
HK$92,711
+HK$5,318/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,786/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,487
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,940
−HK$2,489/mo
Today · 4.125%
HK$96,429
baseline
▲ 0.50% · 4.625%
HK$101,512
+HK$5,083/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,858/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,683
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,753
−HK$3,118/mo
Today · 4.125%
HK$104,871
baseline
▲ 0.50% · 4.625%
HK$111,253
+HK$6,382/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$209,742/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,784
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,728
−HK$2,987/mo
Today · 4.125%
HK$115,715
baseline
▲ 0.50% · 4.625%
HK$121,815
+HK$6,100/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$231,430/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,130
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,712
−HK$3,638/mo
Today · 4.125%
HK$122,350
baseline
▲ 0.50% · 4.625%
HK$129,795
+HK$7,445/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$244,700/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,081
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$131,516
−HK$3,485/mo
Today · 4.125%
HK$135,001
baseline
▲ 0.50% · 4.625%
HK$142,117
+HK$7,116/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$270,002/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,025
−HK$9,282/mo
▼ 0.25% · 3.875%
HK$152,629
−HK$4,678/mo
Today · 4.125%
HK$157,307
baseline
▲ 0.50% · 4.625%
HK$166,879
+HK$9,572/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$314,614/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,676
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$169,093
−HK$4,480/mo
Today · 4.125%
HK$173,573
baseline
▲ 0.50% · 4.625%
HK$182,722
+HK$9,149/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$347,146/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,736 · Scale 2, in force from 26 Feb 2026)