LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,338
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,899
−HK$2,602/mo
Today · 4.125%
HK$87,501
baseline
▲ 0.50% · 4.625%
HK$92,826
+HK$5,325/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$175,002/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,600
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,057
−HK$2,492/mo
Today · 4.125%
HK$96,549
baseline
▲ 0.50% · 4.625%
HK$101,638
+HK$5,089/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,098/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,806
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,879
−HK$3,123/mo
Today · 4.125%
HK$105,002
baseline
▲ 0.50% · 4.625%
HK$111,391
+HK$6,389/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$210,004/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,920
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,868
−HK$2,991/mo
Today · 4.125%
HK$115,859
baseline
▲ 0.50% · 4.625%
HK$121,966
+HK$6,107/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$231,718/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,273
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$118,859
−HK$3,643/mo
Today · 4.125%
HK$122,502
baseline
▲ 0.50% · 4.625%
HK$129,956
+HK$7,454/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$245,004/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,240
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,680
−HK$3,489/mo
Today · 4.125%
HK$135,169
baseline
▲ 0.50% · 4.625%
HK$142,294
+HK$7,125/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$270,338/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,209
−HK$9,294/mo
▼ 0.25% · 3.875%
HK$152,819
−HK$4,684/mo
Today · 4.125%
HK$157,503
baseline
▲ 0.50% · 4.625%
HK$167,086
+HK$9,583/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$315,006/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,881
−HK$8,908/mo
▼ 0.25% · 3.875%
HK$169,303
−HK$4,486/mo
Today · 4.125%
HK$173,789
baseline
▲ 0.50% · 4.625%
HK$182,949
+HK$9,160/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$347,578/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,639 · Scale 2, in force from 26 Feb 2026)