LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,542
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,109
−HK$2,609/mo
Today · 4.125%
HK$87,718
baseline
▲ 0.50% · 4.625%
HK$93,055
+HK$5,337/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,436/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,827
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,289
−HK$2,499/mo
Today · 4.125%
HK$96,788
baseline
▲ 0.50% · 4.625%
HK$101,890
+HK$5,102/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,576/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,050
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,131
−HK$3,130/mo
Today · 4.125%
HK$105,261
baseline
▲ 0.50% · 4.625%
HK$111,666
+HK$6,405/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$1,538,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,192
−HK$5,953/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$1,538,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,558
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,153
−HK$3,652/mo
Today · 4.125%
HK$122,805
baseline
▲ 0.50% · 4.625%
HK$130,277
+HK$7,472/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,610/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,557
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,005
−HK$3,498/mo
Today · 4.125%
HK$135,503
baseline
▲ 0.50% · 4.625%
HK$142,645
+HK$7,142/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,006/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,575
−HK$9,317/mo
▼ 0.25% · 3.875%
HK$153,196
−HK$4,696/mo
Today · 4.125%
HK$157,892
baseline
▲ 0.50% · 4.625%
HK$167,499
+HK$9,607/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,784/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,288
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$169,721
−HK$4,497/mo
Today · 4.125%
HK$174,218
baseline
▲ 0.50% · 4.625%
HK$183,401
+HK$9,183/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,436/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,430 · Scale 2, in force from 26 Feb 2026)