LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,268
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,827
−HK$2,600/mo
Today · 4.125%
HK$87,427
baseline
▲ 0.50% · 4.625%
HK$92,747
+HK$5,320/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,854/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,522
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,977
−HK$2,490/mo
Today · 4.125%
HK$96,467
baseline
▲ 0.50% · 4.625%
HK$101,552
+HK$5,085/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,934/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,722
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,793
−HK$3,119/mo
Today · 4.125%
HK$104,912
baseline
▲ 0.50% · 4.625%
HK$111,296
+HK$6,384/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,824/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,827
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,772
−HK$2,989/mo
Today · 4.125%
HK$115,761
baseline
▲ 0.50% · 4.625%
HK$121,862
+HK$6,101/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,522/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,175
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$118,758
−HK$3,640/mo
Today · 4.125%
HK$122,398
baseline
▲ 0.50% · 4.625%
HK$129,845
+HK$7,447/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$244,796/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,131
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$131,568
−HK$3,486/mo
Today · 4.125%
HK$135,054
baseline
▲ 0.50% · 4.625%
HK$142,173
+HK$7,119/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$270,108/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,083
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$152,689
−HK$4,680/mo
Today · 4.125%
HK$157,369
baseline
▲ 0.50% · 4.625%
HK$166,944
+HK$9,575/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$314,738/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,740
−HK$8,901/mo
▼ 0.25% · 3.875%
HK$169,159
−HK$4,482/mo
Today · 4.125%
HK$173,641
baseline
▲ 0.50% · 4.625%
HK$182,794
+HK$9,153/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$347,282/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,335 · Scale 2, in force from 26 Feb 2026)