LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,873
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,451
−HK$2,619/mo
Today · 4.125%
HK$88,070
baseline
▲ 0.50% · 4.625%
HK$93,429
+HK$5,359/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,140/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,195
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,668
−HK$2,508/mo
Today · 4.125%
HK$97,176
baseline
▲ 0.50% · 4.625%
HK$102,299
+HK$5,123/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,352/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,447
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,541
−HK$3,143/mo
Today · 4.125%
HK$105,684
baseline
▲ 0.50% · 4.625%
HK$112,114
+HK$6,430/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$211,368/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,634
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,601
−HK$3,011/mo
Today · 4.125%
HK$116,612
baseline
▲ 0.50% · 4.625%
HK$122,758
+HK$6,146/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$233,224/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,022
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$119,631
−HK$3,667/mo
Today · 4.125%
HK$123,298
baseline
▲ 0.50% · 4.625%
HK$130,800
+HK$7,502/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$246,596/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,073
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$132,535
−HK$3,512/mo
Today · 4.125%
HK$136,047
baseline
▲ 0.50% · 4.625%
HK$143,218
+HK$7,171/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$272,094/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,171
−HK$9,355/mo
▼ 0.25% · 3.875%
HK$153,811
−HK$4,715/mo
Today · 4.125%
HK$158,526
baseline
▲ 0.50% · 4.625%
HK$168,171
+HK$9,645/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$317,052/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,952
−HK$8,965/mo
▼ 0.25% · 3.875%
HK$170,402
−HK$4,515/mo
Today · 4.125%
HK$174,917
baseline
▲ 0.50% · 4.625%
HK$184,137
+HK$9,220/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$349,834/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,607 · Scale 2, in force from 26 Feb 2026)