LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,403
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,966
−HK$2,604/mo
Today · 4.125%
HK$87,570
baseline
▲ 0.50% · 4.625%
HK$92,899
+HK$5,329/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,140/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,672
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,131
−HK$2,494/mo
Today · 4.125%
HK$96,625
baseline
▲ 0.50% · 4.625%
HK$101,718
+HK$5,093/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,250/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,883
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,959
−HK$3,125/mo
Today · 4.125%
HK$105,084
baseline
▲ 0.50% · 4.625%
HK$111,478
+HK$6,394/mo
Deposit HK$14.46M · loan HK$21.68M · min. income ≈ HK$210,168/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,007
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,957
−HK$2,993/mo
Today · 4.125%
HK$115,950
baseline
▲ 0.50% · 4.625%
HK$122,062
+HK$6,112/mo
Deposit HK$14.46M · loan HK$21.68M · min. income ≈ HK$231,900/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,364
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$118,953
−HK$3,645/mo
Today · 4.125%
HK$122,598
baseline
▲ 0.50% · 4.625%
HK$130,058
+HK$7,460/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$245,196/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,341
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,783
−HK$3,492/mo
Today · 4.125%
HK$135,275
baseline
▲ 0.50% · 4.625%
HK$142,406
+HK$7,131/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$270,550/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,325
−HK$9,302/mo
▼ 0.25% · 3.875%
HK$152,939
−HK$4,688/mo
Today · 4.125%
HK$157,627
baseline
▲ 0.50% · 4.625%
HK$167,218
+HK$9,591/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$315,254/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,010
−HK$8,915/mo
▼ 0.25% · 3.875%
HK$169,436
−HK$4,489/mo
Today · 4.125%
HK$173,925
baseline
▲ 0.50% · 4.625%
HK$183,093
+HK$9,168/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$347,850/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,847 · Scale 2, in force from 26 Feb 2026)