LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,560
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,128
−HK$2,609/mo
Today · 4.125%
HK$87,737
baseline
▲ 0.50% · 4.625%
HK$93,076
+HK$5,339/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,474/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,847
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,310
−HK$2,499/mo
Today · 4.125%
HK$96,809
baseline
▲ 0.50% · 4.625%
HK$101,912
+HK$5,103/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,618/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,072
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,153
−HK$3,131/mo
Today · 4.125%
HK$105,284
baseline
▲ 0.50% · 4.625%
HK$111,691
+HK$6,407/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,568/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,216
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,172
−HK$2,999/mo
Today · 4.125%
HK$116,171
baseline
▲ 0.50% · 4.625%
HK$122,294
+HK$6,123/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,342/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,584
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,179
−HK$3,653/mo
Today · 4.125%
HK$122,832
baseline
▲ 0.50% · 4.625%
HK$130,306
+HK$7,474/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,664/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,586
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,034
−HK$3,499/mo
Today · 4.125%
HK$135,533
baseline
▲ 0.50% · 4.625%
HK$142,677
+HK$7,144/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,066/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,608
−HK$9,319/mo
▼ 0.25% · 3.875%
HK$153,230
−HK$4,697/mo
Today · 4.125%
HK$157,927
baseline
▲ 0.50% · 4.625%
HK$167,536
+HK$9,609/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,854/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,324
−HK$8,932/mo
▼ 0.25% · 3.875%
HK$169,758
−HK$4,498/mo
Today · 4.125%
HK$174,256
baseline
▲ 0.50% · 4.625%
HK$183,442
+HK$9,186/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,512/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,770 · Scale 2, in force from 26 Feb 2026)