LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,581
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,149
−HK$2,610/mo
Today · 4.125%
HK$87,759
baseline
▲ 0.50% · 4.625%
HK$93,099
+HK$5,340/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,518/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,870
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,334
−HK$2,500/mo
Today · 4.125%
HK$96,834
baseline
▲ 0.50% · 4.625%
HK$101,938
+HK$5,104/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,668/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,097
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,179
−HK$3,132/mo
Today · 4.125%
HK$105,311
baseline
▲ 0.50% · 4.625%
HK$111,719
+HK$6,408/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,622/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,244
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,201
−HK$2,999/mo
Today · 4.125%
HK$116,200
baseline
▲ 0.50% · 4.625%
HK$122,326
+HK$6,126/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,400/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,613
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,209
−HK$3,654/mo
Today · 4.125%
HK$122,863
baseline
▲ 0.50% · 4.625%
HK$130,339
+HK$7,476/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$245,726/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,618
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,068
−HK$3,499/mo
Today · 4.125%
HK$135,567
baseline
▲ 0.50% · 4.625%
HK$142,713
+HK$7,146/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$271,134/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,645
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$153,269
−HK$4,698/mo
Today · 4.125%
HK$157,967
baseline
▲ 0.50% · 4.625%
HK$167,579
+HK$9,612/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,934/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,366
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$169,801
−HK$4,500/mo
Today · 4.125%
HK$174,301
baseline
▲ 0.50% · 4.625%
HK$183,488
+HK$9,187/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,602/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,161 · Scale 2, in force from 26 Feb 2026)