LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,693
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,265
−HK$2,614/mo
Today · 4.125%
HK$87,879
baseline
▲ 0.50% · 4.625%
HK$93,226
+HK$5,347/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,758/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,995
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,462
−HK$2,503/mo
Today · 4.125%
HK$96,965
baseline
▲ 0.50% · 4.625%
HK$102,077
+HK$5,112/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,930/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,232
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,318
−HK$3,136/mo
Today · 4.125%
HK$105,454
baseline
▲ 0.50% · 4.625%
HK$111,871
+HK$6,417/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$210,908/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,394
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,355
−HK$3,003/mo
Today · 4.125%
HK$116,358
baseline
▲ 0.50% · 4.625%
HK$122,492
+HK$6,134/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$232,716/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,770
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,371
−HK$3,659/mo
Today · 4.125%
HK$123,030
baseline
▲ 0.50% · 4.625%
HK$130,516
+HK$7,486/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$246,060/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,793
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,247
−HK$3,504/mo
Today · 4.125%
HK$135,751
baseline
▲ 0.50% · 4.625%
HK$142,907
+HK$7,156/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$271,502/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,847
−HK$9,334/mo
▼ 0.25% · 3.875%
HK$153,477
−HK$4,704/mo
Today · 4.125%
HK$158,181
baseline
▲ 0.50% · 4.625%
HK$167,806
+HK$9,625/mo
Deposit HK$3.63M · loan HK$32.64M · min. income ≈ HK$316,362/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,591
−HK$8,947/mo
▼ 0.25% · 3.875%
HK$170,032
−HK$4,506/mo
Today · 4.125%
HK$174,538
baseline
▲ 0.50% · 4.625%
HK$183,738
+HK$9,200/mo
Deposit HK$3.63M · loan HK$32.64M · min. income ≈ HK$349,076/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,253 · Scale 2, in force from 26 Feb 2026)