LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,669
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,240
−HK$2,613/mo
Today · 4.125%
HK$87,853
baseline
▲ 0.50% · 4.625%
HK$93,198
+HK$5,345/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,706/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,968
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,435
−HK$2,502/mo
Today · 4.125%
HK$96,937
baseline
▲ 0.50% · 4.625%
HK$102,047
+HK$5,110/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,874/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,202
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,288
−HK$3,135/mo
Today · 4.125%
HK$105,423
baseline
▲ 0.50% · 4.625%
HK$111,838
+HK$6,415/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,846/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,362
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,322
−HK$3,002/mo
Today · 4.125%
HK$116,324
baseline
▲ 0.50% · 4.625%
HK$122,456
+HK$6,132/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,648/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,736
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,336
−HK$3,658/mo
Today · 4.125%
HK$122,994
baseline
▲ 0.50% · 4.625%
HK$130,478
+HK$7,484/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$245,988/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,755
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,209
−HK$3,503/mo
Today · 4.125%
HK$135,712
baseline
▲ 0.50% · 4.625%
HK$142,865
+HK$7,153/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$271,424/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,804
−HK$9,331/mo
▼ 0.25% · 3.875%
HK$153,432
−HK$4,703/mo
Today · 4.125%
HK$158,135
baseline
▲ 0.50% · 4.625%
HK$167,757
+HK$9,622/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$316,270/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,543
−HK$8,943/mo
▼ 0.25% · 3.875%
HK$169,982
−HK$4,504/mo
Today · 4.125%
HK$174,486
baseline
▲ 0.50% · 4.625%
HK$183,684
+HK$9,198/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$348,972/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,801 · Scale 2, in force from 26 Feb 2026)