LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,350
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,912
−HK$2,602/mo
Today · 4.125%
HK$87,514
baseline
▲ 0.50% · 4.625%
HK$92,839
+HK$5,325/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,028/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,614
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,071
−HK$2,492/mo
Today · 4.125%
HK$96,563
baseline
▲ 0.50% · 4.625%
HK$101,653
+HK$5,090/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,126/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,820
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,894
−HK$3,123/mo
Today · 4.125%
HK$105,017
baseline
▲ 0.50% · 4.625%
HK$111,407
+HK$6,390/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$210,034/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,936
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,885
−HK$2,991/mo
Today · 4.125%
HK$115,876
baseline
▲ 0.50% · 4.625%
HK$121,984
+HK$6,108/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$231,752/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,290
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$118,876
−HK$3,644/mo
Today · 4.125%
HK$122,520
baseline
▲ 0.50% · 4.625%
HK$129,975
+HK$7,455/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$245,040/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,259
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$131,699
−HK$3,490/mo
Today · 4.125%
HK$135,189
baseline
▲ 0.50% · 4.625%
HK$142,315
+HK$7,126/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$270,378/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,230
−HK$9,296/mo
▼ 0.25% · 3.875%
HK$152,841
−HK$4,685/mo
Today · 4.125%
HK$157,526
baseline
▲ 0.50% · 4.625%
HK$167,111
+HK$9,585/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$315,052/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,905
−HK$8,909/mo
▼ 0.25% · 3.875%
HK$169,327
−HK$4,487/mo
Today · 4.125%
HK$173,814
baseline
▲ 0.50% · 4.625%
HK$182,976
+HK$9,162/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$347,628/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,864 · Scale 2, in force from 26 Feb 2026)