LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,396
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,959
−HK$2,603/mo
Today · 4.125%
HK$87,562
baseline
▲ 0.50% · 4.625%
HK$92,890
+HK$5,328/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,124/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,664
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,123
−HK$2,494/mo
Today · 4.125%
HK$96,617
baseline
▲ 0.50% · 4.625%
HK$101,709
+HK$5,092/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,234/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,875
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,950
−HK$3,125/mo
Today · 4.125%
HK$105,075
baseline
▲ 0.50% · 4.625%
HK$111,469
+HK$6,394/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,150/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,997
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,947
−HK$2,993/mo
Today · 4.125%
HK$115,940
baseline
▲ 0.50% · 4.625%
HK$122,051
+HK$6,111/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,880/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,354
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$118,942
−HK$3,645/mo
Today · 4.125%
HK$122,587
baseline
▲ 0.50% · 4.625%
HK$130,047
+HK$7,460/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,174/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,330
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,772
−HK$3,491/mo
Today · 4.125%
HK$135,263
baseline
▲ 0.50% · 4.625%
HK$142,393
+HK$7,130/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,526/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,312
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$152,925
−HK$4,687/mo
Today · 4.125%
HK$157,612
baseline
▲ 0.50% · 4.625%
HK$167,203
+HK$9,591/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$315,224/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,996
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$169,421
−HK$4,489/mo
Today · 4.125%
HK$173,910
baseline
▲ 0.50% · 4.625%
HK$183,077
+HK$9,167/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$347,820/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,710 · Scale 2, in force from 26 Feb 2026)