LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,266
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,825
−HK$2,600/mo
Today · 4.125%
HK$87,425
baseline
▲ 0.50% · 4.625%
HK$92,744
+HK$5,319/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,850/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,520
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,974
−HK$2,490/mo
Today · 4.125%
HK$96,464
baseline
▲ 0.50% · 4.625%
HK$101,549
+HK$5,085/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,928/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,719
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,790
−HK$3,120/mo
Today · 4.125%
HK$104,910
baseline
▲ 0.50% · 4.625%
HK$111,293
+HK$6,383/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,820/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,824
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,769
−HK$2,988/mo
Today · 4.125%
HK$115,757
baseline
▲ 0.50% · 4.625%
HK$121,859
+HK$6,102/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,514/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,172
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$118,755
−HK$3,640/mo
Today · 4.125%
HK$122,395
baseline
▲ 0.50% · 4.625%
HK$129,842
+HK$7,447/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$244,790/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,128
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,564
−HK$3,486/mo
Today · 4.125%
HK$135,050
baseline
▲ 0.50% · 4.625%
HK$142,169
+HK$7,119/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$270,100/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,079
−HK$9,285/mo
▼ 0.25% · 3.875%
HK$152,685
−HK$4,679/mo
Today · 4.125%
HK$157,364
baseline
▲ 0.50% · 4.625%
HK$166,940
+HK$9,576/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$314,728/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,736
−HK$8,900/mo
▼ 0.25% · 3.875%
HK$169,154
−HK$4,482/mo
Today · 4.125%
HK$173,636
baseline
▲ 0.50% · 4.625%
HK$182,789
+HK$9,153/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$347,272/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,293 · Scale 2, in force from 26 Feb 2026)