LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,541
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,109
−HK$2,608/mo
Today · 4.125%
HK$87,717
baseline
▲ 0.50% · 4.625%
HK$93,055
+HK$5,338/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,434/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,826
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,289
−HK$2,498/mo
Today · 4.125%
HK$96,787
baseline
▲ 0.50% · 4.625%
HK$101,889
+HK$5,102/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,574/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,049
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,130
−HK$3,131/mo
Today · 4.125%
HK$105,261
baseline
▲ 0.50% · 4.625%
HK$111,665
+HK$6,404/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,522/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,191
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,147
−HK$2,998/mo
Today · 4.125%
HK$116,145
baseline
▲ 0.50% · 4.625%
HK$122,267
+HK$6,122/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,290/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,558
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$119,152
−HK$3,652/mo
Today · 4.125%
HK$122,804
baseline
▲ 0.50% · 4.625%
HK$130,276
+HK$7,472/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,608/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,557
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$132,004
−HK$3,498/mo
Today · 4.125%
HK$135,502
baseline
▲ 0.50% · 4.625%
HK$142,645
+HK$7,143/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,004/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,574
−HK$9,317/mo
▼ 0.25% · 3.875%
HK$153,196
−HK$4,695/mo
Today · 4.125%
HK$157,891
baseline
▲ 0.50% · 4.625%
HK$167,498
+HK$9,607/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,782/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,287
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$169,720
−HK$4,497/mo
Today · 4.125%
HK$174,217
baseline
▲ 0.50% · 4.625%
HK$183,400
+HK$9,183/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,434/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,423 · Scale 2, in force from 26 Feb 2026)