LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,443
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,007
−HK$2,606/mo
Today · 4.125%
HK$87,613
baseline
▲ 0.50% · 4.625%
HK$92,944
+HK$5,331/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,226/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,717
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,177
−HK$2,495/mo
Today · 4.125%
HK$96,672
baseline
▲ 0.50% · 4.625%
HK$101,768
+HK$5,096/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,344/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,932
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,009
−HK$3,127/mo
Today · 4.125%
HK$105,136
baseline
▲ 0.50% · 4.625%
HK$111,533
+HK$6,397/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,272/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,060
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,012
−HK$2,995/mo
Today · 4.125%
HK$116,007
baseline
▲ 0.50% · 4.625%
HK$122,122
+HK$6,115/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$232,014/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,420
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,010
−HK$3,648/mo
Today · 4.125%
HK$122,658
baseline
▲ 0.50% · 4.625%
HK$130,122
+HK$7,464/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,316/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,404
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,848
−HK$3,493/mo
Today · 4.125%
HK$135,341
baseline
▲ 0.50% · 4.625%
HK$142,475
+HK$7,134/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,682/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,397
−HK$9,306/mo
▼ 0.25% · 3.875%
HK$153,013
−HK$4,690/mo
Today · 4.125%
HK$157,703
baseline
▲ 0.50% · 4.625%
HK$167,299
+HK$9,596/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$315,406/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,091
−HK$8,919/mo
▼ 0.25% · 3.875%
HK$169,518
−HK$4,492/mo
Today · 4.125%
HK$174,010
baseline
▲ 0.50% · 4.625%
HK$183,182
+HK$9,172/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$348,020/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,595 · Scale 2, in force from 26 Feb 2026)