LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,302
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,862
−HK$2,601/mo
Today · 4.125%
HK$87,463
baseline
▲ 0.50% · 4.625%
HK$92,785
+HK$5,322/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$174,926/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,560
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,016
−HK$2,491/mo
Today · 4.125%
HK$96,507
baseline
▲ 0.50% · 4.625%
HK$101,594
+HK$5,087/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,014/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,762
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,835
−HK$3,121/mo
Today · 4.125%
HK$104,956
baseline
▲ 0.50% · 4.625%
HK$111,342
+HK$6,386/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$209,912/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,872
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,819
−HK$2,989/mo
Today · 4.125%
HK$115,808
baseline
▲ 0.50% · 4.625%
HK$121,913
+HK$6,105/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$231,616/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,223
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$118,807
−HK$3,641/mo
Today · 4.125%
HK$122,448
baseline
▲ 0.50% · 4.625%
HK$129,899
+HK$7,451/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$244,896/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,184
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$131,622
−HK$3,488/mo
Today · 4.125%
HK$135,110
baseline
▲ 0.50% · 4.625%
HK$142,232
+HK$7,122/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$270,220/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,144
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$152,752
−HK$4,682/mo
Today · 4.125%
HK$157,434
baseline
▲ 0.50% · 4.625%
HK$167,013
+HK$9,579/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$314,868/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,808
−HK$8,904/mo
▼ 0.25% · 3.875%
HK$169,228
−HK$4,484/mo
Today · 4.125%
HK$173,712
baseline
▲ 0.50% · 4.625%
HK$182,869
+HK$9,157/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$347,424/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,967 · Scale 2, in force from 26 Feb 2026)