LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,470
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,035
−HK$2,606/mo
Today · 4.125%
HK$87,641
baseline
▲ 0.50% · 4.625%
HK$92,974
+HK$5,333/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,282/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,747
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,207
−HK$2,497/mo
Today · 4.125%
HK$96,704
baseline
▲ 0.50% · 4.625%
HK$101,801
+HK$5,097/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,408/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,964
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,042
−HK$3,128/mo
Today · 4.125%
HK$105,170
baseline
▲ 0.50% · 4.625%
HK$111,569
+HK$6,399/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,340/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,537,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,096
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,049
−HK$2,995/mo
Today · 4.125%
HK$116,044
baseline
▲ 0.50% · 4.625%
HK$122,161
+HK$6,117/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,088/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,537,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,458
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,049
−HK$3,649/mo
Today · 4.125%
HK$122,698
baseline
▲ 0.50% · 4.625%
HK$130,164
+HK$7,466/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,396/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,445
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,890
−HK$3,495/mo
Today · 4.125%
HK$135,385
baseline
▲ 0.50% · 4.625%
HK$142,521
+HK$7,136/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,770/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,445
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$153,063
−HK$4,691/mo
Today · 4.125%
HK$157,754
baseline
▲ 0.50% · 4.625%
HK$167,353
+HK$9,599/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$315,508/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,144
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$169,573
−HK$4,493/mo
Today · 4.125%
HK$174,066
baseline
▲ 0.50% · 4.625%
HK$183,242
+HK$9,176/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$348,132/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,092 · Scale 2, in force from 26 Feb 2026)