LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,387
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,950
−HK$2,604/mo
Today · 4.125%
HK$87,554
baseline
▲ 0.50% · 4.625%
HK$92,881
+HK$5,327/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,108/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,655
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,113
−HK$2,494/mo
Today · 4.125%
HK$96,607
baseline
▲ 0.50% · 4.625%
HK$101,699
+HK$5,092/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,214/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,865
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,940
−HK$3,125/mo
Today · 4.125%
HK$105,065
baseline
▲ 0.50% · 4.625%
HK$111,457
+HK$6,392/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,130/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,986
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,936
−HK$2,992/mo
Today · 4.125%
HK$115,928
baseline
▲ 0.50% · 4.625%
HK$122,039
+HK$6,111/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,856/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,342
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$118,930
−HK$3,645/mo
Today · 4.125%
HK$122,575
baseline
▲ 0.50% · 4.625%
HK$130,034
+HK$7,459/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,150/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,317
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,759
−HK$3,491/mo
Today · 4.125%
HK$135,250
baseline
▲ 0.50% · 4.625%
HK$142,379
+HK$7,129/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,500/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,297
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$152,910
−HK$4,687/mo
Today · 4.125%
HK$157,597
baseline
▲ 0.50% · 4.625%
HK$167,186
+HK$9,589/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$315,194/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,979
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$169,404
−HK$4,488/mo
Today · 4.125%
HK$173,892
baseline
▲ 0.50% · 4.625%
HK$183,059
+HK$9,167/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$347,784/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,557 · Scale 2, in force from 26 Feb 2026)