LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,271
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,830
−HK$2,600/mo
Today · 4.125%
HK$87,430
baseline
▲ 0.50% · 4.625%
HK$92,750
+HK$5,320/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,860/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,526
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,981
−HK$2,490/mo
Today · 4.125%
HK$96,471
baseline
▲ 0.50% · 4.625%
HK$101,556
+HK$5,085/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,942/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,725
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,796
−HK$3,120/mo
Today · 4.125%
HK$104,916
baseline
▲ 0.50% · 4.625%
HK$111,300
+HK$6,384/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,832/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,831
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,777
−HK$2,988/mo
Today · 4.125%
HK$115,765
baseline
▲ 0.50% · 4.625%
HK$121,867
+HK$6,102/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,530/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,180
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,762
−HK$3,640/mo
Today · 4.125%
HK$122,402
baseline
▲ 0.50% · 4.625%
HK$129,850
+HK$7,448/mo
Deposit HK$10.82M · loan HK$25.26M · min. income ≈ HK$244,804/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,136
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$131,573
−HK$3,486/mo
Today · 4.125%
HK$135,059
baseline
▲ 0.50% · 4.625%
HK$142,178
+HK$7,119/mo
Deposit HK$10.82M · loan HK$25.26M · min. income ≈ HK$270,118/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,088
−HK$9,287/mo
▼ 0.25% · 3.875%
HK$152,694
−HK$4,681/mo
Today · 4.125%
HK$157,375
baseline
▲ 0.50% · 4.625%
HK$166,950
+HK$9,575/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$314,750/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,747
−HK$8,900/mo
▼ 0.25% · 3.875%
HK$169,165
−HK$4,482/mo
Today · 4.125%
HK$173,647
baseline
▲ 0.50% · 4.625%
HK$182,800
+HK$9,153/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$347,294/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,391 · Scale 2, in force from 26 Feb 2026)