LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,436
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,001
−HK$2,605/mo
Today · 4.125%
HK$87,606
baseline
▲ 0.50% · 4.625%
HK$92,937
+HK$5,331/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,212/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,710
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,169
−HK$2,496/mo
Today · 4.125%
HK$96,665
baseline
▲ 0.50% · 4.625%
HK$101,760
+HK$5,095/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,330/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,924
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$102,001
−HK$3,126/mo
Today · 4.125%
HK$105,127
baseline
▲ 0.50% · 4.625%
HK$111,524
+HK$6,397/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,254/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,052
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$113,003
−HK$2,994/mo
Today · 4.125%
HK$115,997
baseline
▲ 0.50% · 4.625%
HK$122,112
+HK$6,115/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$231,994/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,411
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$119,001
−HK$3,647/mo
Today · 4.125%
HK$122,648
baseline
▲ 0.50% · 4.625%
HK$130,111
+HK$7,463/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,296/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,394
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$131,837
−HK$3,493/mo
Today · 4.125%
HK$135,330
baseline
▲ 0.50% · 4.625%
HK$142,464
+HK$7,134/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,660/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,386
−HK$9,305/mo
▼ 0.25% · 3.875%
HK$153,001
−HK$4,690/mo
Today · 4.125%
HK$157,691
baseline
▲ 0.50% · 4.625%
HK$167,286
+HK$9,595/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$315,382/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,078
−HK$8,918/mo
▼ 0.25% · 3.875%
HK$169,505
−HK$4,491/mo
Today · 4.125%
HK$173,996
baseline
▲ 0.50% · 4.625%
HK$183,168
+HK$9,172/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$347,992/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,472 · Scale 2, in force from 26 Feb 2026)