LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,386
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,949
−HK$2,604/mo
Today · 4.125%
HK$87,553
baseline
▲ 0.50% · 4.625%
HK$92,880
+HK$5,327/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,106/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,654
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,112
−HK$2,494/mo
Today · 4.125%
HK$96,606
baseline
▲ 0.50% · 4.625%
HK$101,698
+HK$5,092/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,212/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,864
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,939
−HK$3,124/mo
Today · 4.125%
HK$105,063
baseline
▲ 0.50% · 4.625%
HK$111,456
+HK$6,393/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,126/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,985
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,934
−HK$2,993/mo
Today · 4.125%
HK$115,927
baseline
▲ 0.50% · 4.625%
HK$122,037
+HK$6,110/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,854/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,341
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$118,929
−HK$3,645/mo
Today · 4.125%
HK$122,574
baseline
▲ 0.50% · 4.625%
HK$130,032
+HK$7,458/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,148/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,315
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,757
−HK$3,491/mo
Today · 4.125%
HK$135,248
baseline
▲ 0.50% · 4.625%
HK$142,377
+HK$7,129/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,496/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,295
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$152,908
−HK$4,687/mo
Today · 4.125%
HK$157,595
baseline
▲ 0.50% · 4.625%
HK$167,184
+HK$9,589/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$315,190/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,977
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$169,402
−HK$4,488/mo
Today · 4.125%
HK$173,890
baseline
▲ 0.50% · 4.625%
HK$183,056
+HK$9,166/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$347,780/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,537 · Scale 2, in force from 26 Feb 2026)