LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,329
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,890
−HK$2,601/mo
Today · 4.125%
HK$87,491
baseline
▲ 0.50% · 4.625%
HK$92,815
+HK$5,324/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$174,982/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,590
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,046
−HK$2,492/mo
Today · 4.125%
HK$96,538
baseline
▲ 0.50% · 4.625%
HK$101,627
+HK$5,089/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,076/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,794
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,868
−HK$3,122/mo
Today · 4.125%
HK$104,990
baseline
▲ 0.50% · 4.625%
HK$111,378
+HK$6,388/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$209,980/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,908
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,855
−HK$2,991/mo
Today · 4.125%
HK$115,846
baseline
▲ 0.50% · 4.625%
HK$121,952
+HK$6,106/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$231,692/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,260
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$118,845
−HK$3,643/mo
Today · 4.125%
HK$122,488
baseline
▲ 0.50% · 4.625%
HK$129,941
+HK$7,453/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$244,976/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,226
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$131,665
−HK$3,488/mo
Today · 4.125%
HK$135,153
baseline
▲ 0.50% · 4.625%
HK$142,278
+HK$7,125/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$270,306/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,192
−HK$9,293/mo
▼ 0.25% · 3.875%
HK$152,801
−HK$4,684/mo
Today · 4.125%
HK$157,485
baseline
▲ 0.50% · 4.625%
HK$167,067
+HK$9,582/mo
Deposit HK$3.61M · loan HK$32.49M · min. income ≈ HK$314,970/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,534,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,862
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$169,283
−HK$4,486/mo
Today · 4.125%
HK$173,769
baseline
▲ 0.50% · 4.625%
HK$182,928
+HK$9,159/mo
Deposit HK$3.61M · loan HK$32.49M · min. income ≈ HK$347,538/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,534,464 · Scale 2, in force from 26 Feb 2026)