LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,438
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,002
−HK$2,606/mo
Today · 4.125%
HK$87,608
baseline
▲ 0.50% · 4.625%
HK$92,938
+HK$5,330/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,216/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,712
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,171
−HK$2,495/mo
Today · 4.125%
HK$96,666
baseline
▲ 0.50% · 4.625%
HK$101,762
+HK$5,096/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,332/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,926
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$102,003
−HK$3,126/mo
Today · 4.125%
HK$105,129
baseline
▲ 0.50% · 4.625%
HK$111,526
+HK$6,397/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,258/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,054
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,005
−HK$2,995/mo
Today · 4.125%
HK$116,000
baseline
▲ 0.50% · 4.625%
HK$122,114
+HK$6,114/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$232,000/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,413
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,003
−HK$3,648/mo
Today · 4.125%
HK$122,651
baseline
▲ 0.50% · 4.625%
HK$130,114
+HK$7,463/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,302/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,396
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,840
−HK$3,493/mo
Today · 4.125%
HK$135,333
baseline
▲ 0.50% · 4.625%
HK$142,467
+HK$7,134/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,666/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,389
−HK$9,305/mo
▼ 0.25% · 3.875%
HK$153,004
−HK$4,690/mo
Today · 4.125%
HK$157,694
baseline
▲ 0.50% · 4.625%
HK$167,289
+HK$9,595/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$315,388/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,081
−HK$8,919/mo
▼ 0.25% · 3.875%
HK$169,508
−HK$4,492/mo
Today · 4.125%
HK$174,000
baseline
▲ 0.50% · 4.625%
HK$183,171
+HK$9,171/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$348,000/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,502 · Scale 2, in force from 26 Feb 2026)