LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,274
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,833
−HK$2,600/mo
Today · 4.125%
HK$87,433
baseline
▲ 0.50% · 4.625%
HK$92,753
+HK$5,320/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,866/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,529
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,984
−HK$2,490/mo
Today · 4.125%
HK$96,474
baseline
▲ 0.50% · 4.625%
HK$101,559
+HK$5,085/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,948/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,729
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,800
−HK$3,120/mo
Today · 4.125%
HK$104,920
baseline
▲ 0.50% · 4.625%
HK$111,304
+HK$6,384/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,840/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,835
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,780
−HK$2,989/mo
Today · 4.125%
HK$115,769
baseline
▲ 0.50% · 4.625%
HK$121,871
+HK$6,102/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,538/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,184
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$118,766
−HK$3,641/mo
Today · 4.125%
HK$122,407
baseline
▲ 0.50% · 4.625%
HK$129,855
+HK$7,448/mo
Deposit HK$10.82M · loan HK$25.26M · min. income ≈ HK$244,814/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,140
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$131,577
−HK$3,487/mo
Today · 4.125%
HK$135,064
baseline
▲ 0.50% · 4.625%
HK$142,183
+HK$7,119/mo
Deposit HK$10.82M · loan HK$25.26M · min. income ≈ HK$270,128/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,093
−HK$9,287/mo
▼ 0.25% · 3.875%
HK$152,700
−HK$4,680/mo
Today · 4.125%
HK$157,380
baseline
▲ 0.50% · 4.625%
HK$166,956
+HK$9,576/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$314,760/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,752
−HK$8,901/mo
▼ 0.25% · 3.875%
HK$169,171
−HK$4,482/mo
Today · 4.125%
HK$173,653
baseline
▲ 0.50% · 4.625%
HK$182,807
+HK$9,154/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$347,306/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,443 · Scale 2, in force from 26 Feb 2026)