LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,476
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,042
−HK$2,606/mo
Today · 4.125%
HK$87,648
baseline
▲ 0.50% · 4.625%
HK$92,982
+HK$5,334/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,296/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,754
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,215
−HK$2,496/mo
Today · 4.125%
HK$96,711
baseline
▲ 0.50% · 4.625%
HK$101,809
+HK$5,098/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,422/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,972
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,050
−HK$3,128/mo
Today · 4.125%
HK$105,178
baseline
▲ 0.50% · 4.625%
HK$111,578
+HK$6,400/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,356/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,105
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,058
−HK$2,996/mo
Today · 4.125%
HK$116,054
baseline
▲ 0.50% · 4.625%
HK$122,171
+HK$6,117/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,108/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,467
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,059
−HK$3,649/mo
Today · 4.125%
HK$122,708
baseline
▲ 0.50% · 4.625%
HK$130,174
+HK$7,466/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,416/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,456
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,901
−HK$3,495/mo
Today · 4.125%
HK$135,396
baseline
▲ 0.50% · 4.625%
HK$142,533
+HK$7,137/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,792/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,458
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$153,075
−HK$4,692/mo
Today · 4.125%
HK$157,767
baseline
▲ 0.50% · 4.625%
HK$167,367
+HK$9,600/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$315,534/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,158
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$169,587
−HK$4,494/mo
Today · 4.125%
HK$174,081
baseline
▲ 0.50% · 4.625%
HK$183,257
+HK$9,176/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$348,162/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,217 · Scale 2, in force from 26 Feb 2026)