LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,243
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,802
−HK$2,599/mo
Today · 4.125%
HK$87,401
baseline
▲ 0.50% · 4.625%
HK$92,719
+HK$5,318/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,802/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,532,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,495
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,949
−HK$2,489/mo
Today · 4.125%
HK$96,438
baseline
▲ 0.50% · 4.625%
HK$101,521
+HK$5,083/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,876/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,532,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,692
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,762
−HK$3,119/mo
Today · 4.125%
HK$104,881
baseline
▲ 0.50% · 4.625%
HK$111,263
+HK$6,382/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$209,762/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,794
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,739
−HK$2,987/mo
Today · 4.125%
HK$115,726
baseline
▲ 0.50% · 4.625%
HK$121,826
+HK$6,100/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$231,452/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,141
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,722
−HK$3,639/mo
Today · 4.125%
HK$122,361
baseline
▲ 0.50% · 4.625%
HK$129,806
+HK$7,445/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$244,722/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,093
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$131,528
−HK$3,485/mo
Today · 4.125%
HK$135,013
baseline
▲ 0.50% · 4.625%
HK$142,130
+HK$7,117/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$270,026/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,038
−HK$9,283/mo
▼ 0.25% · 3.875%
HK$152,643
−HK$4,678/mo
Today · 4.125%
HK$157,321
baseline
▲ 0.50% · 4.625%
HK$166,894
+HK$9,573/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$314,642/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,691
−HK$8,898/mo
▼ 0.25% · 3.875%
HK$169,108
−HK$4,481/mo
Today · 4.125%
HK$173,589
baseline
▲ 0.50% · 4.625%
HK$182,739
+HK$9,150/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$347,178/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,873 · Scale 2, in force from 26 Feb 2026)