LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,370
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,932
−HK$2,604/mo
Today · 4.125%
HK$87,536
baseline
▲ 0.50% · 4.625%
HK$92,862
+HK$5,326/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,072/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,636
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,094
−HK$2,493/mo
Today · 4.125%
HK$96,587
baseline
▲ 0.50% · 4.625%
HK$101,678
+HK$5,091/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,174/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,844
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,919
−HK$3,124/mo
Today · 4.125%
HK$105,043
baseline
▲ 0.50% · 4.625%
HK$111,434
+HK$6,391/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$210,086/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,535,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,963
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,912
−HK$2,992/mo
Today · 4.125%
HK$115,904
baseline
▲ 0.50% · 4.625%
HK$122,014
+HK$6,110/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$231,808/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,535,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,318
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$118,905
−HK$3,645/mo
Today · 4.125%
HK$122,550
baseline
▲ 0.50% · 4.625%
HK$130,007
+HK$7,457/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,100/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,290
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$131,731
−HK$3,491/mo
Today · 4.125%
HK$135,222
baseline
▲ 0.50% · 4.625%
HK$142,349
+HK$7,127/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,444/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,266
−HK$9,298/mo
▼ 0.25% · 3.875%
HK$152,878
−HK$4,686/mo
Today · 4.125%
HK$157,564
baseline
▲ 0.50% · 4.625%
HK$167,151
+HK$9,587/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$315,128/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,945
−HK$8,911/mo
▼ 0.25% · 3.875%
HK$169,369
−HK$4,487/mo
Today · 4.125%
HK$173,856
baseline
▲ 0.50% · 4.625%
HK$183,021
+HK$9,165/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$347,712/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,238 · Scale 2, in force from 26 Feb 2026)