LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,412
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,975
−HK$2,605/mo
Today · 4.125%
HK$87,580
baseline
▲ 0.50% · 4.625%
HK$92,909
+HK$5,329/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,160/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,682
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,141
−HK$2,495/mo
Today · 4.125%
HK$96,636
baseline
▲ 0.50% · 4.625%
HK$101,729
+HK$5,093/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,272/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,894
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,970
−HK$3,126/mo
Today · 4.125%
HK$105,096
baseline
▲ 0.50% · 4.625%
HK$111,490
+HK$6,394/mo
Deposit HK$14.46M · loan HK$21.68M · min. income ≈ HK$210,192/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,019
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,969
−HK$2,994/mo
Today · 4.125%
HK$115,963
baseline
▲ 0.50% · 4.625%
HK$122,075
+HK$6,112/mo
Deposit HK$14.46M · loan HK$21.68M · min. income ≈ HK$231,926/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,376
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$118,965
−HK$3,647/mo
Today · 4.125%
HK$122,612
baseline
▲ 0.50% · 4.625%
HK$130,072
+HK$7,460/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$245,224/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,355
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$131,798
−HK$3,492/mo
Today · 4.125%
HK$135,290
baseline
▲ 0.50% · 4.625%
HK$142,421
+HK$7,131/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$270,580/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,341
−HK$9,302/mo
▼ 0.25% · 3.875%
HK$152,955
−HK$4,688/mo
Today · 4.125%
HK$157,643
baseline
▲ 0.50% · 4.625%
HK$167,236
+HK$9,593/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$315,286/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,028
−HK$8,916/mo
▼ 0.25% · 3.875%
HK$169,454
−HK$4,490/mo
Today · 4.125%
HK$173,944
baseline
▲ 0.50% · 4.625%
HK$183,113
+HK$9,169/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$347,888/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,012 · Scale 2, in force from 26 Feb 2026)