LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,573
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,141
−HK$2,610/mo
Today · 4.125%
HK$87,751
baseline
▲ 0.50% · 4.625%
HK$93,090
+HK$5,339/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,502/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,862
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,325
−HK$2,500/mo
Today · 4.125%
HK$96,825
baseline
▲ 0.50% · 4.625%
HK$101,928
+HK$5,103/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,650/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,088
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,170
−HK$3,131/mo
Today · 4.125%
HK$105,301
baseline
▲ 0.50% · 4.625%
HK$111,709
+HK$6,408/mo
Deposit HK$14.48M · loan HK$21.73M · min. income ≈ HK$210,602/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,539,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,234
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,190
−HK$2,999/mo
Today · 4.125%
HK$116,189
baseline
▲ 0.50% · 4.625%
HK$122,314
+HK$6,125/mo
Deposit HK$14.48M · loan HK$21.73M · min. income ≈ HK$232,378/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,539,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,602
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$119,198
−HK$3,653/mo
Today · 4.125%
HK$122,851
baseline
▲ 0.50% · 4.625%
HK$130,327
+HK$7,476/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$245,702/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,606
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,055
−HK$3,499/mo
Today · 4.125%
HK$135,554
baseline
▲ 0.50% · 4.625%
HK$142,700
+HK$7,146/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$271,108/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,631
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$153,255
−HK$4,697/mo
Today · 4.125%
HK$157,952
baseline
▲ 0.50% · 4.625%
HK$167,563
+HK$9,611/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,904/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,351
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$169,785
−HK$4,499/mo
Today · 4.125%
HK$174,284
baseline
▲ 0.50% · 4.625%
HK$183,471
+HK$9,187/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,568/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,016 · Scale 2, in force from 26 Feb 2026)