LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,680
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,252
−HK$2,613/mo
Today · 4.125%
HK$87,865
baseline
▲ 0.50% · 4.625%
HK$93,211
+HK$5,346/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,730/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,981
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,448
−HK$2,502/mo
Today · 4.125%
HK$96,950
baseline
▲ 0.50% · 4.625%
HK$102,061
+HK$5,111/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,900/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,216
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,302
−HK$3,136/mo
Today · 4.125%
HK$105,438
baseline
▲ 0.50% · 4.625%
HK$111,853
+HK$6,415/mo
Deposit HK$14.50M · loan HK$21.76M · min. income ≈ HK$210,876/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,541,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,377
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,337
−HK$3,003/mo
Today · 4.125%
HK$116,340
baseline
▲ 0.50% · 4.625%
HK$122,473
+HK$6,133/mo
Deposit HK$14.50M · loan HK$21.76M · min. income ≈ HK$232,680/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,541,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,752
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,353
−HK$3,658/mo
Today · 4.125%
HK$123,011
baseline
▲ 0.50% · 4.625%
HK$130,496
+HK$7,485/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$246,022/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,773
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,227
−HK$3,503/mo
Today · 4.125%
HK$135,730
baseline
▲ 0.50% · 4.625%
HK$142,885
+HK$7,155/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$271,460/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,824
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$153,453
−HK$4,704/mo
Today · 4.125%
HK$158,157
baseline
▲ 0.50% · 4.625%
HK$167,780
+HK$9,623/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$316,314/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,565
−HK$8,945/mo
▼ 0.25% · 3.875%
HK$170,006
−HK$4,504/mo
Today · 4.125%
HK$174,510
baseline
▲ 0.50% · 4.625%
HK$183,709
+HK$9,199/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$349,020/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,012 · Scale 2, in force from 26 Feb 2026)