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$92,959
+HK$5,332/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$1,536,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,732
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,192
−HK$2,496/mo
Today · 4.125%
HK$96,688
baseline
▲ 0.50% · 4.625%
HK$101,784
+HK$5,096/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,376/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,536,838 · 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$1,536,838 · 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$1,536,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,438
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,029
−HK$3,649/mo
Today · 4.125%
HK$122,678
baseline
▲ 0.50% · 4.625%
HK$130,142
+HK$7,464/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,356/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,536,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,424
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,868
−HK$3,495/mo
Today · 4.125%
HK$135,363
baseline
▲ 0.50% · 4.625%
HK$142,498
+HK$7,135/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,726/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,536,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,421
−HK$9,307/mo
▼ 0.25% · 3.875%
HK$153,038
−HK$4,690/mo
Today · 4.125%
HK$157,728
baseline
▲ 0.50% · 4.625%
HK$167,326
+HK$9,598/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$1,536,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,117
−HK$8,921/mo
▼ 0.25% · 3.875%
HK$169,545
−HK$4,493/mo
Today · 4.125%
HK$174,038
baseline
▲ 0.50% · 4.625%
HK$183,211
+HK$9,173/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$348,076/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,838 · Scale 2, in force from 26 Feb 2026)