LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,456
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,021
−HK$2,606/mo
Today · 4.125%
HK$87,627
baseline
▲ 0.50% · 4.625%
HK$92,958
+HK$5,331/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,254/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,536,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,731
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,191
−HK$2,496/mo
Today · 4.125%
HK$96,687
baseline
▲ 0.50% · 4.625%
HK$101,784
+HK$5,097/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,374/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,536,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,947
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,025
−HK$3,127/mo
Today · 4.125%
HK$105,152
baseline
▲ 0.50% · 4.625%
HK$111,550
+HK$6,398/mo
Deposit HK$14.46M · loan HK$21.70M · min. income ≈ HK$210,304/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,078
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,030
−HK$2,995/mo
Today · 4.125%
HK$116,025
baseline
▲ 0.50% · 4.625%
HK$122,141
+HK$6,116/mo
Deposit HK$14.46M · loan HK$21.70M · min. income ≈ HK$232,050/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,438
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$119,029
−HK$3,648/mo
Today · 4.125%
HK$122,677
baseline
▲ 0.50% · 4.625%
HK$130,142
+HK$7,465/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,354/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,536,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,424
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$131,868
−HK$3,494/mo
Today · 4.125%
HK$135,362
baseline
▲ 0.50% · 4.625%
HK$142,497
+HK$7,135/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,724/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,536,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,421
−HK$9,307/mo
▼ 0.25% · 3.875%
HK$153,037
−HK$4,691/mo
Today · 4.125%
HK$157,728
baseline
▲ 0.50% · 4.625%
HK$167,325
+HK$9,597/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$315,456/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,116
−HK$8,921/mo
▼ 0.25% · 3.875%
HK$169,545
−HK$4,492/mo
Today · 4.125%
HK$174,037
baseline
▲ 0.50% · 4.625%
HK$183,211
+HK$9,174/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$348,074/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,834 · Scale 2, in force from 26 Feb 2026)