LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,601
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,170
−HK$2,611/mo
Today · 4.125%
HK$87,781
baseline
▲ 0.50% · 4.625%
HK$93,122
+HK$5,341/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,562/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,893
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,357
−HK$2,500/mo
Today · 4.125%
HK$96,857
baseline
▲ 0.50% · 4.625%
HK$101,963
+HK$5,106/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,714/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,121
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,204
−HK$3,133/mo
Today · 4.125%
HK$105,337
baseline
▲ 0.50% · 4.625%
HK$111,746
+HK$6,409/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,674/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,271
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,229
−HK$3,000/mo
Today · 4.125%
HK$116,229
baseline
▲ 0.50% · 4.625%
HK$122,355
+HK$6,126/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,458/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,641
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$119,238
−HK$3,655/mo
Today · 4.125%
HK$122,893
baseline
▲ 0.50% · 4.625%
HK$130,371
+HK$7,478/mo
Deposit HK$10.87M · loan HK$25.36M · min. income ≈ HK$245,786/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,650
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,100
−HK$3,500/mo
Today · 4.125%
HK$135,600
baseline
▲ 0.50% · 4.625%
HK$142,748
+HK$7,148/mo
Deposit HK$10.87M · loan HK$25.36M · min. income ≈ HK$271,200/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,682
−HK$9,323/mo
▼ 0.25% · 3.875%
HK$153,306
−HK$4,699/mo
Today · 4.125%
HK$158,005
baseline
▲ 0.50% · 4.625%
HK$167,620
+HK$9,615/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$316,010/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,407
−HK$8,936/mo
▼ 0.25% · 3.875%
HK$169,843
−HK$4,500/mo
Today · 4.125%
HK$174,343
baseline
▲ 0.50% · 4.625%
HK$183,533
+HK$9,190/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$348,686/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,537 · Scale 2, in force from 26 Feb 2026)