LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,502
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,068
−HK$2,607/mo
Today · 4.125%
HK$87,675
baseline
▲ 0.50% · 4.625%
HK$93,010
+HK$5,335/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,350/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,782
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,244
−HK$2,497/mo
Today · 4.125%
HK$96,741
baseline
▲ 0.50% · 4.625%
HK$101,840
+HK$5,099/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,482/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,002
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,082
−HK$3,128/mo
Today · 4.125%
HK$105,210
baseline
▲ 0.50% · 4.625%
HK$111,612
+HK$6,402/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$210,420/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,139
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,093
−HK$2,996/mo
Today · 4.125%
HK$116,089
baseline
▲ 0.50% · 4.625%
HK$122,209
+HK$6,120/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$232,178/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,502
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$119,095
−HK$3,651/mo
Today · 4.125%
HK$122,746
baseline
▲ 0.50% · 4.625%
HK$130,214
+HK$7,468/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$245,492/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,495
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,942
−HK$3,496/mo
Today · 4.125%
HK$135,438
baseline
▲ 0.50% · 4.625%
HK$142,577
+HK$7,139/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$270,876/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,503
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$153,122
−HK$4,694/mo
Today · 4.125%
HK$157,816
baseline
▲ 0.50% · 4.625%
HK$167,418
+HK$9,602/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$315,632/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,208
−HK$8,926/mo
▼ 0.25% · 3.875%
HK$169,639
−HK$4,495/mo
Today · 4.125%
HK$174,134
baseline
▲ 0.50% · 4.625%
HK$183,313
+HK$9,179/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$348,268/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,690 · Scale 2, in force from 26 Feb 2026)