LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,484
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,050
−HK$2,606/mo
Today · 4.125%
HK$87,656
baseline
▲ 0.50% · 4.625%
HK$92,990
+HK$5,334/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,312/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,763
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,224
−HK$2,496/mo
Today · 4.125%
HK$96,720
baseline
▲ 0.50% · 4.625%
HK$101,818
+HK$5,098/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,440/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,981
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,060
−HK$3,128/mo
Today · 4.125%
HK$105,188
baseline
▲ 0.50% · 4.625%
HK$111,588
+HK$6,400/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,376/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,115
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,068
−HK$2,996/mo
Today · 4.125%
HK$116,064
baseline
▲ 0.50% · 4.625%
HK$122,182
+HK$6,118/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,128/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,478
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,070
−HK$3,649/mo
Today · 4.125%
HK$122,719
baseline
▲ 0.50% · 4.625%
HK$130,186
+HK$7,467/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,438/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,468
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,913
−HK$3,495/mo
Today · 4.125%
HK$135,408
baseline
▲ 0.50% · 4.625%
HK$142,546
+HK$7,138/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,816/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,471
−HK$9,311/mo
▼ 0.25% · 3.875%
HK$153,089
−HK$4,693/mo
Today · 4.125%
HK$157,782
baseline
▲ 0.50% · 4.625%
HK$167,382
+HK$9,600/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$315,564/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,173
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$169,602
−HK$4,494/mo
Today · 4.125%
HK$174,096
baseline
▲ 0.50% · 4.625%
HK$183,273
+HK$9,177/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$348,192/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,358 · Scale 2, in force from 26 Feb 2026)