LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,576
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,145
−HK$2,609/mo
Today · 4.125%
HK$87,754
baseline
▲ 0.50% · 4.625%
HK$93,094
+HK$5,340/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,508/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,865
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,329
−HK$2,499/mo
Today · 4.125%
HK$96,828
baseline
▲ 0.50% · 4.625%
HK$101,932
+HK$5,104/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,656/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,091
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,174
−HK$3,131/mo
Today · 4.125%
HK$105,305
baseline
▲ 0.50% · 4.625%
HK$111,713
+HK$6,408/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,610/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,539,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,238
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,195
−HK$2,999/mo
Today · 4.125%
HK$116,194
baseline
▲ 0.50% · 4.625%
HK$122,319
+HK$6,125/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,388/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,539,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,606
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,202
−HK$3,654/mo
Today · 4.125%
HK$122,856
baseline
▲ 0.50% · 4.625%
HK$130,331
+HK$7,475/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$245,712/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,611
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,060
−HK$3,499/mo
Today · 4.125%
HK$135,559
baseline
▲ 0.50% · 4.625%
HK$142,705
+HK$7,146/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$271,118/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,637
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$153,260
−HK$4,698/mo
Today · 4.125%
HK$157,958
baseline
▲ 0.50% · 4.625%
HK$167,569
+HK$9,611/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,916/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,357
−HK$8,934/mo
▼ 0.25% · 3.875%
HK$169,792
−HK$4,499/mo
Today · 4.125%
HK$174,291
baseline
▲ 0.50% · 4.625%
HK$183,478
+HK$9,187/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,582/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,073 · Scale 2, in force from 26 Feb 2026)