LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,417
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,980
−HK$2,605/mo
Today · 4.125%
HK$87,585
baseline
▲ 0.50% · 4.625%
HK$92,914
+HK$5,329/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,170/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,688
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,147
−HK$2,494/mo
Today · 4.125%
HK$96,641
baseline
▲ 0.50% · 4.625%
HK$101,735
+HK$5,094/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,282/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,900
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,976
−HK$3,126/mo
Today · 4.125%
HK$105,102
baseline
▲ 0.50% · 4.625%
HK$111,497
+HK$6,395/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,204/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,025
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,976
−HK$2,994/mo
Today · 4.125%
HK$115,970
baseline
▲ 0.50% · 4.625%
HK$122,083
+HK$6,113/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$231,940/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,383
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$118,972
−HK$3,647/mo
Today · 4.125%
HK$122,619
baseline
▲ 0.50% · 4.625%
HK$130,080
+HK$7,461/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$245,238/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,363
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$131,806
−HK$3,492/mo
Today · 4.125%
HK$135,298
baseline
▲ 0.50% · 4.625%
HK$142,430
+HK$7,132/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$270,596/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,350
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$152,965
−HK$4,688/mo
Today · 4.125%
HK$157,653
baseline
▲ 0.50% · 4.625%
HK$167,246
+HK$9,593/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$315,306/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,038
−HK$8,916/mo
▼ 0.25% · 3.875%
HK$169,464
−HK$4,490/mo
Today · 4.125%
HK$173,954
baseline
▲ 0.50% · 4.625%
HK$183,124
+HK$9,170/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$347,908/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,104 · Scale 2, in force from 26 Feb 2026)