LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,630
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,200
−HK$2,612/mo
Today · 4.125%
HK$87,812
baseline
▲ 0.50% · 4.625%
HK$93,155
+HK$5,343/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$175,624/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,925
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,390
−HK$2,501/mo
Today · 4.125%
HK$96,891
baseline
▲ 0.50% · 4.625%
HK$101,999
+HK$5,108/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$193,782/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,156
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$102,240
−HK$3,134/mo
Today · 4.125%
HK$105,374
baseline
▲ 0.50% · 4.625%
HK$111,786
+HK$6,412/mo
Deposit HK$14.49M · loan HK$21.74M · min. income ≈ HK$210,748/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,540,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,310
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,268
−HK$3,002/mo
Today · 4.125%
HK$116,270
baseline
▲ 0.50% · 4.625%
HK$122,398
+HK$6,128/mo
Deposit HK$14.49M · loan HK$21.74M · min. income ≈ HK$232,540/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,540,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,682
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,280
−HK$3,656/mo
Today · 4.125%
HK$122,936
baseline
▲ 0.50% · 4.625%
HK$130,416
+HK$7,480/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$245,872/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,695
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,146
−HK$3,502/mo
Today · 4.125%
HK$135,648
baseline
▲ 0.50% · 4.625%
HK$142,798
+HK$7,150/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$271,296/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,734
−HK$9,327/mo
▼ 0.25% · 3.875%
HK$153,360
−HK$4,701/mo
Today · 4.125%
HK$158,061
baseline
▲ 0.50% · 4.625%
HK$167,678
+HK$9,617/mo
Deposit HK$3.62M · loan HK$32.61M · min. income ≈ HK$316,122/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,465
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$169,903
−HK$4,501/mo
Today · 4.125%
HK$174,404
baseline
▲ 0.50% · 4.625%
HK$183,598
+HK$9,194/mo
Deposit HK$3.62M · loan HK$32.61M · min. income ≈ HK$348,808/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,077 · Scale 2, in force from 26 Feb 2026)