LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,651
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,222
−HK$2,612/mo
Today · 4.125%
HK$87,834
baseline
▲ 0.50% · 4.625%
HK$93,179
+HK$5,345/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$175,668/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,949
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,415
−HK$2,502/mo
Today · 4.125%
HK$96,917
baseline
▲ 0.50% · 4.625%
HK$102,025
+HK$5,108/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$193,834/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,182
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,267
−HK$3,134/mo
Today · 4.125%
HK$105,401
baseline
▲ 0.50% · 4.625%
HK$111,815
+HK$6,414/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,802/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,339
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,298
−HK$3,002/mo
Today · 4.125%
HK$116,300
baseline
▲ 0.50% · 4.625%
HK$122,430
+HK$6,130/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,600/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,712
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,311
−HK$3,657/mo
Today · 4.125%
HK$122,968
baseline
▲ 0.50% · 4.625%
HK$130,451
+HK$7,483/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$245,936/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,729
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,181
−HK$3,502/mo
Today · 4.125%
HK$135,683
baseline
▲ 0.50% · 4.625%
HK$142,835
+HK$7,152/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$271,366/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,773
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$153,400
−HK$4,702/mo
Today · 4.125%
HK$158,102
baseline
▲ 0.50% · 4.625%
HK$167,722
+HK$9,620/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$316,204/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,508
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$169,947
−HK$4,503/mo
Today · 4.125%
HK$174,450
baseline
▲ 0.50% · 4.625%
HK$183,645
+HK$9,195/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$348,900/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,480 · Scale 2, in force from 26 Feb 2026)