LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,253
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,812
−HK$2,599/mo
Today · 4.125%
HK$87,411
baseline
▲ 0.50% · 4.625%
HK$92,730
+HK$5,319/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,822/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,506
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,960
−HK$2,490/mo
Today · 4.125%
HK$96,450
baseline
▲ 0.50% · 4.625%
HK$101,534
+HK$5,084/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,900/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,704
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,774
−HK$3,120/mo
Today · 4.125%
HK$104,894
baseline
▲ 0.50% · 4.625%
HK$111,276
+HK$6,382/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$209,788/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,807
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,752
−HK$2,988/mo
Today · 4.125%
HK$115,740
baseline
▲ 0.50% · 4.625%
HK$121,841
+HK$6,101/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$231,480/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,155
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$118,737
−HK$3,639/mo
Today · 4.125%
HK$122,376
baseline
▲ 0.50% · 4.625%
HK$129,822
+HK$7,446/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$244,752/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,533,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,109
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$131,544
−HK$3,486/mo
Today · 4.125%
HK$135,030
baseline
▲ 0.50% · 4.625%
HK$142,147
+HK$7,117/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$270,060/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,533,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,056
−HK$9,285/mo
▼ 0.25% · 3.875%
HK$152,662
−HK$4,679/mo
Today · 4.125%
HK$157,341
baseline
▲ 0.50% · 4.625%
HK$166,914
+HK$9,573/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$314,682/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,711
−HK$8,899/mo
▼ 0.25% · 3.875%
HK$169,128
−HK$4,482/mo
Today · 4.125%
HK$173,610
baseline
▲ 0.50% · 4.625%
HK$182,761
+HK$9,151/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$347,220/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,061 · Scale 2, in force from 26 Feb 2026)