LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,345
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,907
−HK$2,602/mo
Today · 4.125%
HK$87,509
baseline
▲ 0.50% · 4.625%
HK$92,834
+HK$5,325/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,018/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,608
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,065
−HK$2,492/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$1,534,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,814
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,888
−HK$3,123/mo
Today · 4.125%
HK$105,011
baseline
▲ 0.50% · 4.625%
HK$111,400
+HK$6,389/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$210,022/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,930
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,878
−HK$2,991/mo
Today · 4.125%
HK$115,869
baseline
▲ 0.50% · 4.625%
HK$121,976
+HK$6,107/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$231,738/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,283
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$118,869
−HK$3,643/mo
Today · 4.125%
HK$122,512
baseline
▲ 0.50% · 4.625%
HK$129,967
+HK$7,455/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$1,534,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,251
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,691
−HK$3,489/mo
Today · 4.125%
HK$135,180
baseline
▲ 0.50% · 4.625%
HK$142,306
+HK$7,126/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$1,534,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,221
−HK$9,295/mo
▼ 0.25% · 3.875%
HK$152,832
−HK$4,684/mo
Today · 4.125%
HK$157,516
baseline
▲ 0.50% · 4.625%
HK$167,100
+HK$9,584/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$315,032/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,895
−HK$8,908/mo
▼ 0.25% · 3.875%
HK$169,317
−HK$4,486/mo
Today · 4.125%
HK$173,803
baseline
▲ 0.50% · 4.625%
HK$182,965
+HK$9,162/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$347,606/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,769 · Scale 2, in force from 26 Feb 2026)