LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,364
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,926
−HK$2,603/mo
Today · 4.125%
HK$87,529
baseline
▲ 0.50% · 4.625%
HK$92,855
+HK$5,326/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,058/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,629
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,086
−HK$2,493/mo
Today · 4.125%
HK$96,579
baseline
▲ 0.50% · 4.625%
HK$101,670
+HK$5,091/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,158/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,836
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,911
−HK$3,123/mo
Today · 4.125%
HK$105,034
baseline
▲ 0.50% · 4.625%
HK$111,425
+HK$6,391/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$210,068/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,535,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,955
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,903
−HK$2,992/mo
Today · 4.125%
HK$115,895
baseline
▲ 0.50% · 4.625%
HK$122,004
+HK$6,109/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$231,790/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,535,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,309
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$118,896
−HK$3,644/mo
Today · 4.125%
HK$122,540
baseline
▲ 0.50% · 4.625%
HK$129,996
+HK$7,456/mo
Deposit HK$10.84M · loan HK$25.28M · min. income ≈ HK$245,080/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,280
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$131,721
−HK$3,490/mo
Today · 4.125%
HK$135,211
baseline
▲ 0.50% · 4.625%
HK$142,338
+HK$7,127/mo
Deposit HK$10.84M · loan HK$25.28M · min. income ≈ HK$270,422/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,255
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$152,866
−HK$4,686/mo
Today · 4.125%
HK$157,552
baseline
▲ 0.50% · 4.625%
HK$167,138
+HK$9,586/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$315,104/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,932
−HK$8,911/mo
▼ 0.25% · 3.875%
HK$169,355
−HK$4,488/mo
Today · 4.125%
HK$173,843
baseline
▲ 0.50% · 4.625%
HK$183,006
+HK$9,163/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$347,686/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,116 · Scale 2, in force from 26 Feb 2026)