LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,392
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,955
−HK$2,603/mo
Today · 4.125%
HK$87,558
baseline
▲ 0.50% · 4.625%
HK$92,886
+HK$5,328/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,116/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,660
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,118
−HK$2,494/mo
Today · 4.125%
HK$96,612
baseline
▲ 0.50% · 4.625%
HK$101,705
+HK$5,093/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,224/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,870
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,946
−HK$3,124/mo
Today · 4.125%
HK$105,070
baseline
▲ 0.50% · 4.625%
HK$111,463
+HK$6,393/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,140/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,992
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,942
−HK$2,993/mo
Today · 4.125%
HK$115,935
baseline
▲ 0.50% · 4.625%
HK$122,046
+HK$6,111/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,870/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,349
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$118,936
−HK$3,646/mo
Today · 4.125%
HK$122,582
baseline
▲ 0.50% · 4.625%
HK$130,041
+HK$7,459/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,164/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,324
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,766
−HK$3,491/mo
Today · 4.125%
HK$135,257
baseline
▲ 0.50% · 4.625%
HK$142,387
+HK$7,130/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,514/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,305
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$152,918
−HK$4,687/mo
Today · 4.125%
HK$157,605
baseline
▲ 0.50% · 4.625%
HK$167,195
+HK$9,590/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$315,210/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,988
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$169,413
−HK$4,489/mo
Today · 4.125%
HK$173,902
baseline
▲ 0.50% · 4.625%
HK$183,068
+HK$9,166/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$347,804/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,640 · Scale 2, in force from 26 Feb 2026)