LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,270
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,829
−HK$2,600/mo
Today · 4.125%
HK$87,429
baseline
▲ 0.50% · 4.625%
HK$92,749
+HK$5,320/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,858/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,525
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,979
−HK$2,491/mo
Today · 4.125%
HK$96,470
baseline
▲ 0.50% · 4.625%
HK$101,555
+HK$5,085/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,940/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,724
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,795
−HK$3,120/mo
Today · 4.125%
HK$104,915
baseline
▲ 0.50% · 4.625%
HK$111,299
+HK$6,384/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,830/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,830
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,775
−HK$2,988/mo
Today · 4.125%
HK$115,763
baseline
▲ 0.50% · 4.625%
HK$121,866
+HK$6,103/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,526/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,178
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$118,761
−HK$3,640/mo
Today · 4.125%
HK$122,401
baseline
▲ 0.50% · 4.625%
HK$129,849
+HK$7,448/mo
Deposit HK$10.82M · loan HK$25.26M · min. income ≈ HK$244,802/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,135
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,571
−HK$3,486/mo
Today · 4.125%
HK$135,057
baseline
▲ 0.50% · 4.625%
HK$142,176
+HK$7,119/mo
Deposit HK$10.82M · loan HK$25.26M · min. income ≈ HK$270,114/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,086
−HK$9,287/mo
▼ 0.25% · 3.875%
HK$152,693
−HK$4,680/mo
Today · 4.125%
HK$157,373
baseline
▲ 0.50% · 4.625%
HK$166,948
+HK$9,575/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$314,746/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,745
−HK$8,900/mo
▼ 0.25% · 3.875%
HK$169,163
−HK$4,482/mo
Today · 4.125%
HK$173,645
baseline
▲ 0.50% · 4.625%
HK$182,798
+HK$9,153/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$347,290/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,374 · Scale 2, in force from 26 Feb 2026)