LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,345
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,906
−HK$2,602/mo
Today · 4.125%
HK$87,508
baseline
▲ 0.50% · 4.625%
HK$92,833
+HK$5,325/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,016/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,608
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,064
−HK$2,493/mo
Today · 4.125%
HK$96,557
baseline
▲ 0.50% · 4.625%
HK$101,647
+HK$5,090/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,114/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,814
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,887
−HK$3,123/mo
Today · 4.125%
HK$105,010
baseline
▲ 0.50% · 4.625%
HK$111,400
+HK$6,390/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$210,020/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,929
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,877
−HK$2,991/mo
Today · 4.125%
HK$115,868
baseline
▲ 0.50% · 4.625%
HK$121,976
+HK$6,108/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$231,736/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,283
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$118,868
−HK$3,644/mo
Today · 4.125%
HK$122,512
baseline
▲ 0.50% · 4.625%
HK$129,966
+HK$7,454/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$245,024/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,251
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,690
−HK$3,490/mo
Today · 4.125%
HK$135,180
baseline
▲ 0.50% · 4.625%
HK$142,305
+HK$7,125/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$270,360/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,220
−HK$9,295/mo
▼ 0.25% · 3.875%
HK$152,831
−HK$4,684/mo
Today · 4.125%
HK$157,515
baseline
▲ 0.50% · 4.625%
HK$167,100
+HK$9,585/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$315,030/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,894
−HK$8,908/mo
▼ 0.25% · 3.875%
HK$169,316
−HK$4,486/mo
Today · 4.125%
HK$173,802
baseline
▲ 0.50% · 4.625%
HK$182,964
+HK$9,162/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$347,604/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,761 · Scale 2, in force from 26 Feb 2026)