LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,459
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,023
−HK$2,606/mo
Today · 4.125%
HK$87,629
baseline
▲ 0.50% · 4.625%
HK$92,961
+HK$5,332/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,258/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,536,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,734
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,195
−HK$2,495/mo
Today · 4.125%
HK$96,690
baseline
▲ 0.50% · 4.625%
HK$101,787
+HK$5,097/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,380/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,536,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,950
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,028
−HK$3,127/mo
Today · 4.125%
HK$105,155
baseline
▲ 0.50% · 4.625%
HK$111,554
+HK$6,399/mo
Deposit HK$14.46M · loan HK$21.70M · min. income ≈ HK$210,310/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,081
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,033
−HK$2,996/mo
Today · 4.125%
HK$116,029
baseline
▲ 0.50% · 4.625%
HK$122,145
+HK$6,116/mo
Deposit HK$14.46M · loan HK$21.70M · min. income ≈ HK$232,058/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,442
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$119,033
−HK$3,648/mo
Today · 4.125%
HK$122,681
baseline
▲ 0.50% · 4.625%
HK$130,146
+HK$7,465/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,362/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,536,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,428
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,872
−HK$3,495/mo
Today · 4.125%
HK$135,367
baseline
▲ 0.50% · 4.625%
HK$142,502
+HK$7,135/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,734/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,536,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,425
−HK$9,308/mo
▼ 0.25% · 3.875%
HK$153,042
−HK$4,691/mo
Today · 4.125%
HK$157,733
baseline
▲ 0.50% · 4.625%
HK$167,331
+HK$9,598/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$315,466/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,122
−HK$8,921/mo
▼ 0.25% · 3.875%
HK$169,550
−HK$4,493/mo
Today · 4.125%
HK$174,043
baseline
▲ 0.50% · 4.625%
HK$183,217
+HK$9,174/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$348,086/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,884 · Scale 2, in force from 26 Feb 2026)