LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,517
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,084
−HK$2,608/mo
Today · 4.125%
HK$87,692
baseline
▲ 0.50% · 4.625%
HK$93,027
+HK$5,335/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,384/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,799
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,261
−HK$2,498/mo
Today · 4.125%
HK$96,759
baseline
▲ 0.50% · 4.625%
HK$101,859
+HK$5,100/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,518/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,021
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,101
−HK$3,129/mo
Today · 4.125%
HK$105,230
baseline
▲ 0.50% · 4.625%
HK$111,633
+HK$6,403/mo
Deposit HK$14.48M · loan HK$21.71M · min. income ≈ HK$210,460/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,159
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,114
−HK$2,997/mo
Today · 4.125%
HK$116,111
baseline
▲ 0.50% · 4.625%
HK$122,231
+HK$6,120/mo
Deposit HK$14.48M · loan HK$21.71M · min. income ≈ HK$232,222/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,524
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$119,117
−HK$3,651/mo
Today · 4.125%
HK$122,768
baseline
▲ 0.50% · 4.625%
HK$130,238
+HK$7,470/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$245,536/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,519
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$131,966
−HK$3,497/mo
Today · 4.125%
HK$135,463
baseline
▲ 0.50% · 4.625%
HK$142,603
+HK$7,140/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$270,926/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,531
−HK$9,314/mo
▼ 0.25% · 3.875%
HK$153,151
−HK$4,694/mo
Today · 4.125%
HK$157,845
baseline
▲ 0.50% · 4.625%
HK$167,449
+HK$9,604/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$315,690/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,239
−HK$8,927/mo
▼ 0.25% · 3.875%
HK$169,671
−HK$4,495/mo
Today · 4.125%
HK$174,166
baseline
▲ 0.50% · 4.625%
HK$183,347
+HK$9,181/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$348,332/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,975 · Scale 2, in force from 26 Feb 2026)