LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,649
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,220
−HK$2,612/mo
Today · 4.125%
HK$87,832
baseline
▲ 0.50% · 4.625%
HK$93,176
+HK$5,344/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$175,664/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,946
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,412
−HK$2,502/mo
Today · 4.125%
HK$96,914
baseline
▲ 0.50% · 4.625%
HK$102,022
+HK$5,108/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$193,828/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,179
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,264
−HK$3,134/mo
Today · 4.125%
HK$105,398
baseline
▲ 0.50% · 4.625%
HK$111,811
+HK$6,413/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,796/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,335
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,295
−HK$3,002/mo
Today · 4.125%
HK$116,297
baseline
▲ 0.50% · 4.625%
HK$122,427
+HK$6,130/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,594/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,709
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,308
−HK$3,657/mo
Today · 4.125%
HK$122,965
baseline
▲ 0.50% · 4.625%
HK$130,447
+HK$7,482/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$245,930/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,725
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,177
−HK$3,502/mo
Today · 4.125%
HK$135,679
baseline
▲ 0.50% · 4.625%
HK$142,831
+HK$7,152/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$271,358/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,768
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$153,396
−HK$4,701/mo
Today · 4.125%
HK$158,097
baseline
▲ 0.50% · 4.625%
HK$167,717
+HK$9,620/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$316,194/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,503
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$169,942
−HK$4,503/mo
Today · 4.125%
HK$174,445
baseline
▲ 0.50% · 4.625%
HK$183,640
+HK$9,195/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$348,890/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,434 · Scale 2, in force from 26 Feb 2026)