LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,404
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,967
−HK$2,604/mo
Today · 4.125%
HK$87,571
baseline
▲ 0.50% · 4.625%
HK$92,900
+HK$5,329/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,142/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,673
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,132
−HK$2,494/mo
Today · 4.125%
HK$96,626
baseline
▲ 0.50% · 4.625%
HK$101,720
+HK$5,094/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,252/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,885
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,960
−HK$3,126/mo
Today · 4.125%
HK$105,086
baseline
▲ 0.50% · 4.625%
HK$111,480
+HK$6,394/mo
Deposit HK$14.46M · loan HK$21.68M · min. income ≈ HK$210,172/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,008
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,958
−HK$2,993/mo
Today · 4.125%
HK$115,951
baseline
▲ 0.50% · 4.625%
HK$122,063
+HK$6,112/mo
Deposit HK$14.46M · loan HK$21.68M · min. income ≈ HK$231,902/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,365
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,954
−HK$3,646/mo
Today · 4.125%
HK$122,600
baseline
▲ 0.50% · 4.625%
HK$130,060
+HK$7,460/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$245,200/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,343
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,785
−HK$3,492/mo
Today · 4.125%
HK$135,277
baseline
▲ 0.50% · 4.625%
HK$142,407
+HK$7,130/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$270,554/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,327
−HK$9,301/mo
▼ 0.25% · 3.875%
HK$152,941
−HK$4,687/mo
Today · 4.125%
HK$157,628
baseline
▲ 0.50% · 4.625%
HK$167,220
+HK$9,592/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$315,256/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,012
−HK$8,915/mo
▼ 0.25% · 3.875%
HK$169,438
−HK$4,489/mo
Today · 4.125%
HK$173,927
baseline
▲ 0.50% · 4.625%
HK$183,095
+HK$9,168/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$347,854/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,864 · Scale 2, in force from 26 Feb 2026)