LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,377
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,939
−HK$2,604/mo
Today · 4.125%
HK$87,543
baseline
▲ 0.50% · 4.625%
HK$92,870
+HK$5,327/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,086/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,644
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,101
−HK$2,494/mo
Today · 4.125%
HK$96,595
baseline
▲ 0.50% · 4.625%
HK$101,686
+HK$5,091/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,190/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,852
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,927
−HK$3,124/mo
Today · 4.125%
HK$105,051
baseline
▲ 0.50% · 4.625%
HK$111,443
+HK$6,392/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,102/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,972
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,922
−HK$2,992/mo
Today · 4.125%
HK$115,914
baseline
▲ 0.50% · 4.625%
HK$122,024
+HK$6,110/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,828/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,328
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$118,915
−HK$3,645/mo
Today · 4.125%
HK$122,560
baseline
▲ 0.50% · 4.625%
HK$130,017
+HK$7,457/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,120/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,301
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$131,742
−HK$3,491/mo
Today · 4.125%
HK$135,233
baseline
▲ 0.50% · 4.625%
HK$142,361
+HK$7,128/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,466/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,279
−HK$9,298/mo
▼ 0.25% · 3.875%
HK$152,891
−HK$4,686/mo
Today · 4.125%
HK$157,577
baseline
▲ 0.50% · 4.625%
HK$167,165
+HK$9,588/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$315,154/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,958
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$169,383
−HK$4,488/mo
Today · 4.125%
HK$173,871
baseline
▲ 0.50% · 4.625%
HK$183,036
+HK$9,165/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$347,742/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,364 · Scale 2, in force from 26 Feb 2026)