LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,314
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,875
−HK$2,601/mo
Today · 4.125%
HK$87,476
baseline
▲ 0.50% · 4.625%
HK$92,799
+HK$5,323/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$174,952/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,534,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,574
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,030
−HK$2,492/mo
Today · 4.125%
HK$96,522
baseline
▲ 0.50% · 4.625%
HK$101,609
+HK$5,087/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,044/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,534,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,777
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,850
−HK$3,122/mo
Today · 4.125%
HK$104,972
baseline
▲ 0.50% · 4.625%
HK$111,359
+HK$6,387/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$209,944/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,534,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,889
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,836
−HK$2,990/mo
Today · 4.125%
HK$115,826
baseline
▲ 0.50% · 4.625%
HK$121,931
+HK$6,105/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$231,652/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,534,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,240
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$118,825
−HK$3,642/mo
Today · 4.125%
HK$122,467
baseline
▲ 0.50% · 4.625%
HK$129,919
+HK$7,452/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$244,934/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,534,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,204
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$131,642
−HK$3,488/mo
Today · 4.125%
HK$135,130
baseline
▲ 0.50% · 4.625%
HK$142,253
+HK$7,123/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$270,260/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,534,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,166
−HK$9,291/mo
▼ 0.25% · 3.875%
HK$152,775
−HK$4,682/mo
Today · 4.125%
HK$157,457
baseline
▲ 0.50% · 4.625%
HK$167,038
+HK$9,581/mo
Deposit HK$3.61M · loan HK$32.49M · min. income ≈ HK$314,914/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,534,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,833
−HK$8,906/mo
▼ 0.25% · 3.875%
HK$169,254
−HK$4,485/mo
Today · 4.125%
HK$173,739
baseline
▲ 0.50% · 4.625%
HK$182,897
+HK$9,158/mo
Deposit HK$3.61M · loan HK$32.49M · min. income ≈ HK$347,478/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,534,199 · Scale 2, in force from 26 Feb 2026)