LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,545
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,112
−HK$2,609/mo
Today · 4.125%
HK$87,721
baseline
▲ 0.50% · 4.625%
HK$93,058
+HK$5,337/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,442/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,830
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,293
−HK$2,498/mo
Today · 4.125%
HK$96,791
baseline
▲ 0.50% · 4.625%
HK$101,893
+HK$5,102/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,582/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,053
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,135
−HK$3,130/mo
Today · 4.125%
HK$105,265
baseline
▲ 0.50% · 4.625%
HK$111,670
+HK$6,405/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,530/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,196
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,151
−HK$2,998/mo
Today · 4.125%
HK$116,149
baseline
▲ 0.50% · 4.625%
HK$122,272
+HK$6,123/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,298/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,562
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,157
−HK$3,652/mo
Today · 4.125%
HK$122,809
baseline
▲ 0.50% · 4.625%
HK$130,282
+HK$7,473/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,618/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,562
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,010
−HK$3,498/mo
Today · 4.125%
HK$135,508
baseline
▲ 0.50% · 4.625%
HK$142,651
+HK$7,143/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,016/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,580
−HK$9,317/mo
▼ 0.25% · 3.875%
HK$153,202
−HK$4,695/mo
Today · 4.125%
HK$157,897
baseline
▲ 0.50% · 4.625%
HK$167,505
+HK$9,608/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,794/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,294
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$169,727
−HK$4,497/mo
Today · 4.125%
HK$174,224
baseline
▲ 0.50% · 4.625%
HK$183,408
+HK$9,184/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,448/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,486 · Scale 2, in force from 26 Feb 2026)