LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,580
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,148
−HK$2,610/mo
Today · 4.125%
HK$87,758
baseline
▲ 0.50% · 4.625%
HK$93,098
+HK$5,340/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,516/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,869
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,333
−HK$2,500/mo
Today · 4.125%
HK$96,833
baseline
▲ 0.50% · 4.625%
HK$101,937
+HK$5,104/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,666/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,096
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,178
−HK$3,132/mo
Today · 4.125%
HK$105,310
baseline
▲ 0.50% · 4.625%
HK$111,718
+HK$6,408/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,620/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,243
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,200
−HK$2,999/mo
Today · 4.125%
HK$116,199
baseline
▲ 0.50% · 4.625%
HK$122,324
+HK$6,125/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,398/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,612
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$119,208
−HK$3,653/mo
Today · 4.125%
HK$122,861
baseline
▲ 0.50% · 4.625%
HK$130,337
+HK$7,476/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$245,722/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,617
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,066
−HK$3,500/mo
Today · 4.125%
HK$135,566
baseline
▲ 0.50% · 4.625%
HK$142,711
+HK$7,145/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$271,132/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,643
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$153,267
−HK$4,698/mo
Today · 4.125%
HK$157,965
baseline
▲ 0.50% · 4.625%
HK$167,577
+HK$9,612/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,930/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,364
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$169,799
−HK$4,500/mo
Today · 4.125%
HK$174,299
baseline
▲ 0.50% · 4.625%
HK$183,486
+HK$9,187/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,598/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,142 · Scale 2, in force from 26 Feb 2026)