LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,445
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,010
−HK$2,606/mo
Today · 4.125%
HK$87,616
baseline
▲ 0.50% · 4.625%
HK$92,947
+HK$5,331/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,232/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,720
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,180
−HK$2,495/mo
Today · 4.125%
HK$96,675
baseline
▲ 0.50% · 4.625%
HK$101,771
+HK$5,096/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,350/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,935
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,012
−HK$3,127/mo
Today · 4.125%
HK$105,139
baseline
▲ 0.50% · 4.625%
HK$111,536
+HK$6,397/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,278/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,064
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,016
−HK$2,994/mo
Today · 4.125%
HK$116,010
baseline
▲ 0.50% · 4.625%
HK$122,125
+HK$6,115/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$232,020/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,424
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,014
−HK$3,648/mo
Today · 4.125%
HK$122,662
baseline
▲ 0.50% · 4.625%
HK$130,125
+HK$7,463/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,324/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,408
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,852
−HK$3,493/mo
Today · 4.125%
HK$135,345
baseline
▲ 0.50% · 4.625%
HK$142,479
+HK$7,134/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,690/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,402
−HK$9,306/mo
▼ 0.25% · 3.875%
HK$153,018
−HK$4,690/mo
Today · 4.125%
HK$157,708
baseline
▲ 0.50% · 4.625%
HK$167,304
+HK$9,596/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$315,416/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,096
−HK$8,919/mo
▼ 0.25% · 3.875%
HK$169,523
−HK$4,492/mo
Today · 4.125%
HK$174,015
baseline
▲ 0.50% · 4.625%
HK$183,188
+HK$9,173/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$348,030/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,641 · Scale 2, in force from 26 Feb 2026)