LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,449
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,013
−HK$2,606/mo
Today · 4.125%
HK$87,619
baseline
▲ 0.50% · 4.625%
HK$92,950
+HK$5,331/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,238/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,536,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,723
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,183
−HK$2,496/mo
Today · 4.125%
HK$96,679
baseline
▲ 0.50% · 4.625%
HK$101,775
+HK$5,096/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,358/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,536,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,938
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,016
−HK$3,127/mo
Today · 4.125%
HK$105,143
baseline
▲ 0.50% · 4.625%
HK$111,540
+HK$6,397/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,286/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,068
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,020
−HK$2,994/mo
Today · 4.125%
HK$116,014
baseline
▲ 0.50% · 4.625%
HK$122,130
+HK$6,116/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$232,028/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,428
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,018
−HK$3,648/mo
Today · 4.125%
HK$122,666
baseline
▲ 0.50% · 4.625%
HK$130,130
+HK$7,464/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,332/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,412
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$131,856
−HK$3,494/mo
Today · 4.125%
HK$135,350
baseline
▲ 0.50% · 4.625%
HK$142,485
+HK$7,135/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,700/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,407
−HK$9,307/mo
▼ 0.25% · 3.875%
HK$153,024
−HK$4,690/mo
Today · 4.125%
HK$157,714
baseline
▲ 0.50% · 4.625%
HK$167,310
+HK$9,596/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$315,428/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,102
−HK$8,920/mo
▼ 0.25% · 3.875%
HK$169,530
−HK$4,492/mo
Today · 4.125%
HK$174,022
baseline
▲ 0.50% · 4.625%
HK$183,194
+HK$9,172/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$348,044/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,697 · Scale 2, in force from 26 Feb 2026)