LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,294
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,853
−HK$2,601/mo
Today · 4.125%
HK$87,454
baseline
▲ 0.50% · 4.625%
HK$92,776
+HK$5,322/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,908/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,551
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,006
−HK$2,491/mo
Today · 4.125%
HK$96,497
baseline
▲ 0.50% · 4.625%
HK$101,584
+HK$5,087/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,994/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,752
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,824
−HK$3,121/mo
Today · 4.125%
HK$104,945
baseline
▲ 0.50% · 4.625%
HK$111,331
+HK$6,386/mo
Deposit HK$14.44M · loan HK$21.65M · min. income ≈ HK$209,890/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,861
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,807
−HK$2,989/mo
Today · 4.125%
HK$115,796
baseline
▲ 0.50% · 4.625%
HK$121,900
+HK$6,104/mo
Deposit HK$14.44M · loan HK$21.65M · min. income ≈ HK$231,592/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,211
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$118,795
−HK$3,641/mo
Today · 4.125%
HK$122,436
baseline
▲ 0.50% · 4.625%
HK$129,886
+HK$7,450/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$244,872/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,171
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$131,609
−HK$3,487/mo
Today · 4.125%
HK$135,096
baseline
▲ 0.50% · 4.625%
HK$142,217
+HK$7,121/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$270,192/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,129
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$152,736
−HK$4,682/mo
Today · 4.125%
HK$157,418
baseline
▲ 0.50% · 4.625%
HK$166,996
+HK$9,578/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$314,836/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,792
−HK$8,903/mo
▼ 0.25% · 3.875%
HK$169,211
−HK$4,484/mo
Today · 4.125%
HK$173,695
baseline
▲ 0.50% · 4.625%
HK$182,850
+HK$9,155/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$347,390/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,810 · Scale 2, in force from 26 Feb 2026)