LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,461
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,026
−HK$2,606/mo
Today · 4.125%
HK$87,632
baseline
▲ 0.50% · 4.625%
HK$92,964
+HK$5,332/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,264/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,536,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,737
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,197
−HK$2,496/mo
Today · 4.125%
HK$96,693
baseline
▲ 0.50% · 4.625%
HK$101,790
+HK$5,097/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,386/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,536,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,953
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,031
−HK$3,127/mo
Today · 4.125%
HK$105,158
baseline
▲ 0.50% · 4.625%
HK$111,557
+HK$6,399/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,316/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,084
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,037
−HK$2,995/mo
Today · 4.125%
HK$116,032
baseline
▲ 0.50% · 4.625%
HK$122,148
+HK$6,116/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,064/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,445
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,036
−HK$3,649/mo
Today · 4.125%
HK$122,685
baseline
▲ 0.50% · 4.625%
HK$130,150
+HK$7,465/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,370/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,536,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,432
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,876
−HK$3,495/mo
Today · 4.125%
HK$135,371
baseline
▲ 0.50% · 4.625%
HK$142,506
+HK$7,135/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,742/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,536,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,430
−HK$9,308/mo
▼ 0.25% · 3.875%
HK$153,047
−HK$4,691/mo
Today · 4.125%
HK$157,738
baseline
▲ 0.50% · 4.625%
HK$167,336
+HK$9,598/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$315,476/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,127
−HK$8,921/mo
▼ 0.25% · 3.875%
HK$169,555
−HK$4,493/mo
Today · 4.125%
HK$174,048
baseline
▲ 0.50% · 4.625%
HK$183,222
+HK$9,174/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$348,096/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,930 · Scale 2, in force from 26 Feb 2026)