LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,563
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,131
−HK$2,609/mo
Today · 4.125%
HK$87,740
baseline
▲ 0.50% · 4.625%
HK$93,079
+HK$5,339/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,480/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,850
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,313
−HK$2,499/mo
Today · 4.125%
HK$96,812
baseline
▲ 0.50% · 4.625%
HK$101,916
+HK$5,104/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,624/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,075
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,157
−HK$3,131/mo
Today · 4.125%
HK$105,288
baseline
▲ 0.50% · 4.625%
HK$111,694
+HK$6,406/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,576/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,220
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,176
−HK$2,999/mo
Today · 4.125%
HK$116,175
baseline
▲ 0.50% · 4.625%
HK$122,299
+HK$6,124/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,350/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,588
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,183
−HK$3,653/mo
Today · 4.125%
HK$122,836
baseline
▲ 0.50% · 4.625%
HK$130,310
+HK$7,474/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$245,672/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,590
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,039
−HK$3,498/mo
Today · 4.125%
HK$135,537
baseline
▲ 0.50% · 4.625%
HK$142,682
+HK$7,145/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$271,074/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,613
−HK$9,319/mo
▼ 0.25% · 3.875%
HK$153,235
−HK$4,697/mo
Today · 4.125%
HK$157,932
baseline
▲ 0.50% · 4.625%
HK$167,542
+HK$9,610/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,864/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,330
−HK$8,932/mo
▼ 0.25% · 3.875%
HK$169,764
−HK$4,498/mo
Today · 4.125%
HK$174,262
baseline
▲ 0.50% · 4.625%
HK$183,448
+HK$9,186/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,524/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,822 · Scale 2, in force from 26 Feb 2026)