LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,432
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,996
−HK$2,605/mo
Today · 4.125%
HK$87,601
baseline
▲ 0.50% · 4.625%
HK$92,931
+HK$5,330/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,202/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,704
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,164
−HK$2,495/mo
Today · 4.125%
HK$96,659
baseline
▲ 0.50% · 4.625%
HK$101,754
+HK$5,095/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,318/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,918
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,995
−HK$3,126/mo
Today · 4.125%
HK$105,121
baseline
▲ 0.50% · 4.625%
HK$111,517
+HK$6,396/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,242/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,045
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$112,997
−HK$2,994/mo
Today · 4.125%
HK$115,991
baseline
▲ 0.50% · 4.625%
HK$122,105
+HK$6,114/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$231,982/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,404
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$118,994
−HK$3,647/mo
Today · 4.125%
HK$122,641
baseline
▲ 0.50% · 4.625%
HK$130,104
+HK$7,463/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,282/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,386
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$131,829
−HK$3,493/mo
Today · 4.125%
HK$135,322
baseline
▲ 0.50% · 4.625%
HK$142,455
+HK$7,133/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,644/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,377
−HK$9,304/mo
▼ 0.25% · 3.875%
HK$152,992
−HK$4,689/mo
Today · 4.125%
HK$157,681
baseline
▲ 0.50% · 4.625%
HK$167,276
+HK$9,595/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$315,362/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,068
−HK$8,918/mo
▼ 0.25% · 3.875%
HK$169,495
−HK$4,491/mo
Today · 4.125%
HK$173,986
baseline
▲ 0.50% · 4.625%
HK$183,157
+HK$9,171/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$347,972/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,382 · Scale 2, in force from 26 Feb 2026)