LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,273
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,832
−HK$2,600/mo
Today · 4.125%
HK$87,432
baseline
▲ 0.50% · 4.625%
HK$92,752
+HK$5,320/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,864/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,528
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,983
−HK$2,490/mo
Today · 4.125%
HK$96,473
baseline
▲ 0.50% · 4.625%
HK$101,558
+HK$5,085/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,946/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,728
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,799
−HK$3,120/mo
Today · 4.125%
HK$104,919
baseline
▲ 0.50% · 4.625%
HK$111,303
+HK$6,384/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,838/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,834
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,779
−HK$2,989/mo
Today · 4.125%
HK$115,768
baseline
▲ 0.50% · 4.625%
HK$121,870
+HK$6,102/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,536/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,182
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$118,765
−HK$3,640/mo
Today · 4.125%
HK$122,405
baseline
▲ 0.50% · 4.625%
HK$129,853
+HK$7,448/mo
Deposit HK$10.82M · loan HK$25.26M · min. income ≈ HK$244,810/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,139
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$131,576
−HK$3,486/mo
Today · 4.125%
HK$135,062
baseline
▲ 0.50% · 4.625%
HK$142,181
+HK$7,119/mo
Deposit HK$10.82M · loan HK$25.26M · min. income ≈ HK$270,124/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,092
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$152,698
−HK$4,680/mo
Today · 4.125%
HK$157,378
baseline
▲ 0.50% · 4.625%
HK$166,954
+HK$9,576/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$314,756/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,750
−HK$8,901/mo
▼ 0.25% · 3.875%
HK$169,169
−HK$4,482/mo
Today · 4.125%
HK$173,651
baseline
▲ 0.50% · 4.625%
HK$182,805
+HK$9,154/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$347,302/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,427 · Scale 2, in force from 26 Feb 2026)