LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,472
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,038
−HK$2,606/mo
Today · 4.125%
HK$87,644
baseline
▲ 0.50% · 4.625%
HK$92,977
+HK$5,333/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,288/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,750
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,210
−HK$2,497/mo
Today · 4.125%
HK$96,707
baseline
▲ 0.50% · 4.625%
HK$101,804
+HK$5,097/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,414/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,967
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,045
−HK$3,128/mo
Today · 4.125%
HK$105,173
baseline
▲ 0.50% · 4.625%
HK$111,572
+HK$6,399/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,346/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,537,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,100
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,052
−HK$2,996/mo
Today · 4.125%
HK$116,048
baseline
▲ 0.50% · 4.625%
HK$122,165
+HK$6,117/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,096/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,537,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,461
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,053
−HK$3,649/mo
Today · 4.125%
HK$122,702
baseline
▲ 0.50% · 4.625%
HK$130,168
+HK$7,466/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,404/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,449
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,894
−HK$3,495/mo
Today · 4.125%
HK$135,389
baseline
▲ 0.50% · 4.625%
HK$142,526
+HK$7,137/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,778/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,450
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$153,068
−HK$4,691/mo
Today · 4.125%
HK$157,759
baseline
▲ 0.50% · 4.625%
HK$167,359
+HK$9,600/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$315,518/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,149
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$169,578
−HK$4,494/mo
Today · 4.125%
HK$174,072
baseline
▲ 0.50% · 4.625%
HK$183,247
+HK$9,175/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$348,144/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,140 · Scale 2, in force from 26 Feb 2026)