LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,416
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,979
−HK$2,605/mo
Today · 4.125%
HK$87,584
baseline
▲ 0.50% · 4.625%
HK$92,913
+HK$5,329/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,168/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,686
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,145
−HK$2,495/mo
Today · 4.125%
HK$96,640
baseline
▲ 0.50% · 4.625%
HK$101,734
+HK$5,094/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,280/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,899
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,975
−HK$3,125/mo
Today · 4.125%
HK$105,100
baseline
▲ 0.50% · 4.625%
HK$111,496
+HK$6,396/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,200/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,024
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,974
−HK$2,994/mo
Today · 4.125%
HK$115,968
baseline
▲ 0.50% · 4.625%
HK$122,081
+HK$6,113/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$231,936/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,382
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,971
−HK$3,646/mo
Today · 4.125%
HK$122,617
baseline
▲ 0.50% · 4.625%
HK$130,078
+HK$7,461/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$245,234/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,361
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$131,804
−HK$3,492/mo
Today · 4.125%
HK$135,296
baseline
▲ 0.50% · 4.625%
HK$142,428
+HK$7,132/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$270,592/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,348
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$152,962
−HK$4,689/mo
Today · 4.125%
HK$157,651
baseline
▲ 0.50% · 4.625%
HK$167,243
+HK$9,592/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$315,302/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,036
−HK$8,916/mo
▼ 0.25% · 3.875%
HK$169,462
−HK$4,490/mo
Today · 4.125%
HK$173,952
baseline
▲ 0.50% · 4.625%
HK$183,121
+HK$9,169/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$347,904/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,082 · Scale 2, in force from 26 Feb 2026)