LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,681
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,253
−HK$2,613/mo
Today · 4.125%
HK$87,866
baseline
▲ 0.50% · 4.625%
HK$93,213
+HK$5,347/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,732/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,982
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,449
−HK$2,503/mo
Today · 4.125%
HK$96,952
baseline
▲ 0.50% · 4.625%
HK$102,062
+HK$5,110/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,904/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,218
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,304
−HK$3,135/mo
Today · 4.125%
HK$105,439
baseline
▲ 0.50% · 4.625%
HK$111,855
+HK$6,416/mo
Deposit HK$14.50M · loan HK$21.76M · min. income ≈ HK$210,878/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,541,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,379
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,339
−HK$3,003/mo
Today · 4.125%
HK$116,342
baseline
▲ 0.50% · 4.625%
HK$122,474
+HK$6,132/mo
Deposit HK$14.50M · loan HK$21.76M · min. income ≈ HK$232,684/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,541,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,754
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,354
−HK$3,659/mo
Today · 4.125%
HK$123,013
baseline
▲ 0.50% · 4.625%
HK$130,498
+HK$7,485/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$246,026/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,775
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,229
−HK$3,503/mo
Today · 4.125%
HK$135,732
baseline
▲ 0.50% · 4.625%
HK$142,887
+HK$7,155/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$271,464/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,826
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$153,456
−HK$4,703/mo
Today · 4.125%
HK$158,159
baseline
▲ 0.50% · 4.625%
HK$167,783
+HK$9,624/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$316,318/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,568
−HK$8,945/mo
▼ 0.25% · 3.875%
HK$170,008
−HK$4,505/mo
Today · 4.125%
HK$174,513
baseline
▲ 0.50% · 4.625%
HK$183,712
+HK$9,199/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$349,026/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,035 · Scale 2, in force from 26 Feb 2026)