LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,427
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,990
−HK$2,605/mo
Today · 4.125%
HK$87,595
baseline
▲ 0.50% · 4.625%
HK$92,925
+HK$5,330/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,190/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,699
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,158
−HK$2,495/mo
Today · 4.125%
HK$96,653
baseline
▲ 0.50% · 4.625%
HK$101,748
+HK$5,095/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,306/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,912
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,989
−HK$3,125/mo
Today · 4.125%
HK$105,114
baseline
▲ 0.50% · 4.625%
HK$111,510
+HK$6,396/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,228/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,038
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,990
−HK$2,993/mo
Today · 4.125%
HK$115,983
baseline
▲ 0.50% · 4.625%
HK$122,097
+HK$6,114/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$231,966/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,397
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$118,987
−HK$3,647/mo
Today · 4.125%
HK$122,634
baseline
▲ 0.50% · 4.625%
HK$130,096
+HK$7,462/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$245,268/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,378
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$131,821
−HK$3,493/mo
Today · 4.125%
HK$135,314
baseline
▲ 0.50% · 4.625%
HK$142,447
+HK$7,133/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$270,628/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,368
−HK$9,304/mo
▼ 0.25% · 3.875%
HK$152,983
−HK$4,689/mo
Today · 4.125%
HK$157,672
baseline
▲ 0.50% · 4.625%
HK$167,266
+HK$9,594/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$315,344/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,058
−HK$8,917/mo
▼ 0.25% · 3.875%
HK$169,484
−HK$4,491/mo
Today · 4.125%
HK$173,975
baseline
▲ 0.50% · 4.625%
HK$183,146
+HK$9,171/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$347,950/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,287 · Scale 2, in force from 26 Feb 2026)