LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,497
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,063
−HK$2,607/mo
Today · 4.125%
HK$87,670
baseline
▲ 0.50% · 4.625%
HK$93,005
+HK$5,335/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,340/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,777
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,238
−HK$2,498/mo
Today · 4.125%
HK$96,736
baseline
▲ 0.50% · 4.625%
HK$101,835
+HK$5,099/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,472/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,996
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,076
−HK$3,128/mo
Today · 4.125%
HK$105,204
baseline
▲ 0.50% · 4.625%
HK$111,606
+HK$6,402/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$210,408/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,132
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,086
−HK$2,997/mo
Today · 4.125%
HK$116,083
baseline
▲ 0.50% · 4.625%
HK$122,201
+HK$6,118/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$232,166/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,496
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$119,088
−HK$3,650/mo
Today · 4.125%
HK$122,738
baseline
▲ 0.50% · 4.625%
HK$130,207
+HK$7,469/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$245,476/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,488
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$131,934
−HK$3,496/mo
Today · 4.125%
HK$135,430
baseline
▲ 0.50% · 4.625%
HK$142,568
+HK$7,138/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$270,860/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,495
−HK$9,312/mo
▼ 0.25% · 3.875%
HK$153,114
−HK$4,693/mo
Today · 4.125%
HK$157,807
baseline
▲ 0.50% · 4.625%
HK$167,409
+HK$9,602/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$315,614/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,199
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$169,629
−HK$4,495/mo
Today · 4.125%
HK$174,124
baseline
▲ 0.50% · 4.625%
HK$183,302
+HK$9,178/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$348,248/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,601 · Scale 2, in force from 26 Feb 2026)