LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,286
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,846
−HK$2,600/mo
Today · 4.125%
HK$87,446
baseline
▲ 0.50% · 4.625%
HK$92,767
+HK$5,321/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,892/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,542
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,998
−HK$2,490/mo
Today · 4.125%
HK$96,488
baseline
▲ 0.50% · 4.625%
HK$101,574
+HK$5,086/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,976/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,743
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,815
−HK$3,120/mo
Today · 4.125%
HK$104,935
baseline
▲ 0.50% · 4.625%
HK$111,320
+HK$6,385/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,870/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,851
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,797
−HK$2,989/mo
Today · 4.125%
HK$115,786
baseline
▲ 0.50% · 4.625%
HK$121,889
+HK$6,103/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,572/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,200
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$118,784
−HK$3,641/mo
Today · 4.125%
HK$122,425
baseline
▲ 0.50% · 4.625%
HK$129,874
+HK$7,449/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$244,850/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,159
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$131,597
−HK$3,486/mo
Today · 4.125%
HK$135,083
baseline
▲ 0.50% · 4.625%
HK$142,204
+HK$7,121/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$270,166/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,115
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$152,722
−HK$4,681/mo
Today · 4.125%
HK$157,403
baseline
▲ 0.50% · 4.625%
HK$166,981
+HK$9,578/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$314,806/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,776
−HK$8,903/mo
▼ 0.25% · 3.875%
HK$169,196
−HK$4,483/mo
Today · 4.125%
HK$173,679
baseline
▲ 0.50% · 4.625%
HK$182,834
+HK$9,155/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$347,358/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,669 · Scale 2, in force from 26 Feb 2026)