LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,374
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,936
−HK$2,603/mo
Today · 4.125%
HK$87,539
baseline
▲ 0.50% · 4.625%
HK$92,866
+HK$5,327/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,078/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,640
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,097
−HK$2,494/mo
Today · 4.125%
HK$96,591
baseline
▲ 0.50% · 4.625%
HK$101,682
+HK$5,091/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,182/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,848
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,923
−HK$3,124/mo
Today · 4.125%
HK$105,047
baseline
▲ 0.50% · 4.625%
HK$111,439
+HK$6,392/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$210,094/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,968
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,917
−HK$2,992/mo
Today · 4.125%
HK$115,909
baseline
▲ 0.50% · 4.625%
HK$122,019
+HK$6,110/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$231,818/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,323
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$118,910
−HK$3,645/mo
Today · 4.125%
HK$122,555
baseline
▲ 0.50% · 4.625%
HK$130,012
+HK$7,457/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,110/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,296
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$131,736
−HK$3,491/mo
Today · 4.125%
HK$135,227
baseline
▲ 0.50% · 4.625%
HK$142,355
+HK$7,128/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,454/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,272
−HK$9,298/mo
▼ 0.25% · 3.875%
HK$152,884
−HK$4,686/mo
Today · 4.125%
HK$157,570
baseline
▲ 0.50% · 4.625%
HK$167,158
+HK$9,588/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$315,140/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,952
−HK$8,911/mo
▼ 0.25% · 3.875%
HK$169,375
−HK$4,488/mo
Today · 4.125%
HK$173,863
baseline
▲ 0.50% · 4.625%
HK$183,028
+HK$9,165/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$347,726/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,299 · Scale 2, in force from 26 Feb 2026)