LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,574
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,143
−HK$2,609/mo
Today · 4.125%
HK$87,752
baseline
▲ 0.50% · 4.625%
HK$93,092
+HK$5,340/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,504/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,863
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,327
−HK$2,499/mo
Today · 4.125%
HK$96,826
baseline
▲ 0.50% · 4.625%
HK$101,930
+HK$5,104/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,652/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,089
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,171
−HK$3,132/mo
Today · 4.125%
HK$105,303
baseline
▲ 0.50% · 4.625%
HK$111,710
+HK$6,407/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,606/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,236
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,192
−HK$2,999/mo
Today · 4.125%
HK$116,191
baseline
▲ 0.50% · 4.625%
HK$122,316
+HK$6,125/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,382/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,604
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$119,200
−HK$3,653/mo
Today · 4.125%
HK$122,853
baseline
▲ 0.50% · 4.625%
HK$130,329
+HK$7,476/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$245,706/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,608
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,057
−HK$3,499/mo
Today · 4.125%
HK$135,556
baseline
▲ 0.50% · 4.625%
HK$142,702
+HK$7,146/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$271,112/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,634
−HK$9,320/mo
▼ 0.25% · 3.875%
HK$153,257
−HK$4,697/mo
Today · 4.125%
HK$157,954
baseline
▲ 0.50% · 4.625%
HK$167,565
+HK$9,611/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,908/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,353
−HK$8,934/mo
▼ 0.25% · 3.875%
HK$169,788
−HK$4,499/mo
Today · 4.125%
HK$174,287
baseline
▲ 0.50% · 4.625%
HK$183,474
+HK$9,187/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,574/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,039 · Scale 2, in force from 26 Feb 2026)