LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,550
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,118
−HK$2,609/mo
Today · 4.125%
HK$87,727
baseline
▲ 0.50% · 4.625%
HK$93,065
+HK$5,338/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,454/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,836
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,299
−HK$2,499/mo
Today · 4.125%
HK$96,798
baseline
▲ 0.50% · 4.625%
HK$101,900
+HK$5,102/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,596/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,060
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,142
−HK$3,130/mo
Today · 4.125%
HK$105,272
baseline
▲ 0.50% · 4.625%
HK$111,678
+HK$6,406/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,544/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,204
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,159
−HK$2,999/mo
Today · 4.125%
HK$116,158
baseline
▲ 0.50% · 4.625%
HK$122,281
+HK$6,123/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,316/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,571
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,165
−HK$3,653/mo
Today · 4.125%
HK$122,818
baseline
▲ 0.50% · 4.625%
HK$130,291
+HK$7,473/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,636/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,571
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,019
−HK$3,498/mo
Today · 4.125%
HK$135,517
baseline
▲ 0.50% · 4.625%
HK$142,661
+HK$7,144/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,034/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,591
−HK$9,318/mo
▼ 0.25% · 3.875%
HK$153,213
−HK$4,696/mo
Today · 4.125%
HK$157,909
baseline
▲ 0.50% · 4.625%
HK$167,517
+HK$9,608/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,818/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,306
−HK$8,931/mo
▼ 0.25% · 3.875%
HK$169,739
−HK$4,498/mo
Today · 4.125%
HK$174,237
baseline
▲ 0.50% · 4.625%
HK$183,421
+HK$9,184/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,474/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,595 · Scale 2, in force from 26 Feb 2026)