LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,526
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,093
−HK$2,608/mo
Today · 4.125%
HK$87,701
baseline
▲ 0.50% · 4.625%
HK$93,038
+HK$5,337/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,402/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,538,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,810
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,272
−HK$2,498/mo
Today · 4.125%
HK$96,770
baseline
▲ 0.50% · 4.625%
HK$101,871
+HK$5,101/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,540/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,538,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,032
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,112
−HK$3,130/mo
Today · 4.125%
HK$105,242
baseline
▲ 0.50% · 4.625%
HK$111,645
+HK$6,403/mo
Deposit HK$14.48M · loan HK$21.71M · min. income ≈ HK$210,484/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,538,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,172
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,126
−HK$2,998/mo
Today · 4.125%
HK$116,124
baseline
▲ 0.50% · 4.625%
HK$122,245
+HK$6,121/mo
Deposit HK$14.48M · loan HK$21.71M · min. income ≈ HK$232,248/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,538,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,537
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$119,131
−HK$3,651/mo
Today · 4.125%
HK$122,782
baseline
▲ 0.50% · 4.625%
HK$130,253
+HK$7,471/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$245,564/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,534
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$131,981
−HK$3,497/mo
Today · 4.125%
HK$135,478
baseline
▲ 0.50% · 4.625%
HK$142,619
+HK$7,141/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$270,956/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,547
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$153,168
−HK$4,695/mo
Today · 4.125%
HK$157,863
baseline
▲ 0.50% · 4.625%
HK$167,468
+HK$9,605/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$315,726/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,257
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$169,689
−HK$4,497/mo
Today · 4.125%
HK$174,186
baseline
▲ 0.50% · 4.625%
HK$183,367
+HK$9,181/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$348,372/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,146 · Scale 2, in force from 26 Feb 2026)