LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,521
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,088
−HK$2,608/mo
Today · 4.125%
HK$87,696
baseline
▲ 0.50% · 4.625%
HK$93,032
+HK$5,336/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,392/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,538,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,804
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,266
−HK$2,498/mo
Today · 4.125%
HK$96,764
baseline
▲ 0.50% · 4.625%
HK$101,865
+HK$5,101/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,528/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,538,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,026
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,106
−HK$3,130/mo
Today · 4.125%
HK$105,236
baseline
▲ 0.50% · 4.625%
HK$111,639
+HK$6,403/mo
Deposit HK$14.48M · loan HK$21.71M · min. income ≈ HK$210,472/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,538,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,165
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,120
−HK$2,997/mo
Today · 4.125%
HK$116,117
baseline
▲ 0.50% · 4.625%
HK$122,238
+HK$6,121/mo
Deposit HK$14.48M · loan HK$21.71M · min. income ≈ HK$232,234/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,538,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,530
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$119,124
−HK$3,651/mo
Today · 4.125%
HK$122,775
baseline
▲ 0.50% · 4.625%
HK$130,245
+HK$7,470/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$245,550/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,538,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,526
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$131,973
−HK$3,497/mo
Today · 4.125%
HK$135,470
baseline
▲ 0.50% · 4.625%
HK$142,611
+HK$7,141/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$270,940/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,538,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,539
−HK$9,314/mo
▼ 0.25% · 3.875%
HK$153,159
−HK$4,694/mo
Today · 4.125%
HK$157,853
baseline
▲ 0.50% · 4.625%
HK$167,458
+HK$9,605/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$315,706/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,248
−HK$8,928/mo
▼ 0.25% · 3.875%
HK$169,680
−HK$4,496/mo
Today · 4.125%
HK$174,176
baseline
▲ 0.50% · 4.625%
HK$183,357
+HK$9,181/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$348,352/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,056 · Scale 2, in force from 26 Feb 2026)