LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,263
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,822
−HK$2,600/mo
Today · 4.125%
HK$87,422
baseline
▲ 0.50% · 4.625%
HK$92,741
+HK$5,319/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,844/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,517
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,972
−HK$2,489/mo
Today · 4.125%
HK$96,461
baseline
▲ 0.50% · 4.625%
HK$101,546
+HK$5,085/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,922/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,716
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,787
−HK$3,119/mo
Today · 4.125%
HK$104,906
baseline
▲ 0.50% · 4.625%
HK$111,290
+HK$6,384/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,812/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,821
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,766
−HK$2,988/mo
Today · 4.125%
HK$115,754
baseline
▲ 0.50% · 4.625%
HK$121,855
+HK$6,101/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,508/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,169
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,751
−HK$3,640/mo
Today · 4.125%
HK$122,391
baseline
▲ 0.50% · 4.625%
HK$129,838
+HK$7,447/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$244,782/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,124
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,560
−HK$3,486/mo
Today · 4.125%
HK$135,046
baseline
▲ 0.50% · 4.625%
HK$142,165
+HK$7,119/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$270,092/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,074
−HK$9,285/mo
▼ 0.25% · 3.875%
HK$152,680
−HK$4,679/mo
Today · 4.125%
HK$157,359
baseline
▲ 0.50% · 4.625%
HK$166,934
+HK$9,575/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$314,718/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,731
−HK$8,900/mo
▼ 0.25% · 3.875%
HK$169,149
−HK$4,482/mo
Today · 4.125%
HK$173,631
baseline
▲ 0.50% · 4.625%
HK$182,783
+HK$9,152/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$347,262/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,245 · Scale 2, in force from 26 Feb 2026)