LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,464
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,029
−HK$2,606/mo
Today · 4.125%
HK$87,635
baseline
▲ 0.50% · 4.625%
HK$92,967
+HK$5,332/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,270/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,536,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,740
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,200
−HK$2,496/mo
Today · 4.125%
HK$96,696
baseline
▲ 0.50% · 4.625%
HK$101,794
+HK$5,098/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,392/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,536,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,956
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,035
−HK$3,127/mo
Today · 4.125%
HK$105,162
baseline
▲ 0.50% · 4.625%
HK$111,561
+HK$6,399/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,324/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,088
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,041
−HK$2,995/mo
Today · 4.125%
HK$116,036
baseline
▲ 0.50% · 4.625%
HK$122,152
+HK$6,116/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,072/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,449
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,040
−HK$3,649/mo
Today · 4.125%
HK$122,689
baseline
▲ 0.50% · 4.625%
HK$130,154
+HK$7,465/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,378/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,536,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,436
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,881
−HK$3,494/mo
Today · 4.125%
HK$135,375
baseline
▲ 0.50% · 4.625%
HK$142,511
+HK$7,136/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,750/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,536,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,435
−HK$9,308/mo
▼ 0.25% · 3.875%
HK$153,052
−HK$4,691/mo
Today · 4.125%
HK$157,743
baseline
▲ 0.50% · 4.625%
HK$167,341
+HK$9,598/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$315,486/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,132
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$169,561
−HK$4,493/mo
Today · 4.125%
HK$174,054
baseline
▲ 0.50% · 4.625%
HK$183,228
+HK$9,174/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$348,108/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,980 · Scale 2, in force from 26 Feb 2026)