LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,788
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,364
−HK$2,616/mo
Today · 4.125%
HK$87,980
baseline
▲ 0.50% · 4.625%
HK$93,333
+HK$5,353/mo
Deposit HK$18.15M · loan HK$18.15M · min. income ≈ HK$175,960/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,101
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,571
−HK$2,506/mo
Today · 4.125%
HK$97,077
baseline
▲ 0.50% · 4.625%
HK$102,194
+HK$5,117/mo
Deposit HK$18.15M · loan HK$18.15M · min. income ≈ HK$194,154/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,346
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,436
−HK$3,140/mo
Today · 4.125%
HK$105,576
baseline
▲ 0.50% · 4.625%
HK$112,000
+HK$6,424/mo
Deposit HK$14.52M · loan HK$21.78M · min. income ≈ HK$211,152/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,521
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,486
−HK$3,007/mo
Today · 4.125%
HK$116,493
baseline
▲ 0.50% · 4.625%
HK$122,633
+HK$6,140/mo
Deposit HK$14.52M · loan HK$21.78M · min. income ≈ HK$232,986/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,904
−HK$7,268/mo
▼ 0.25% · 3.875%
HK$119,509
−HK$3,663/mo
Today · 4.125%
HK$123,172
baseline
▲ 0.50% · 4.625%
HK$130,667
+HK$7,495/mo
Deposit HK$10.89M · loan HK$25.41M · min. income ≈ HK$246,344/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,942
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$132,400
−HK$3,508/mo
Today · 4.125%
HK$135,908
baseline
▲ 0.50% · 4.625%
HK$143,072
+HK$7,164/mo
Deposit HK$10.89M · loan HK$25.41M · min. income ≈ HK$271,816/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,019
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$153,654
−HK$4,710/mo
Today · 4.125%
HK$158,364
baseline
▲ 0.50% · 4.625%
HK$168,000
+HK$9,636/mo
Deposit HK$3.63M · loan HK$32.68M · min. income ≈ HK$316,728/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,543,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,782
−HK$8,957/mo
▼ 0.25% · 3.875%
HK$170,228
−HK$4,511/mo
Today · 4.125%
HK$174,739
baseline
▲ 0.50% · 4.625%
HK$183,950
+HK$9,211/mo
Deposit HK$3.63M · loan HK$32.68M · min. income ≈ HK$349,478/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,543,031 · Scale 2, in force from 26 Feb 2026)