LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,896
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,474
−HK$2,620/mo
Today · 4.125%
HK$88,094
baseline
▲ 0.50% · 4.625%
HK$93,454
+HK$5,360/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,188/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,545,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,221
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,694
−HK$2,509/mo
Today · 4.125%
HK$97,203
baseline
▲ 0.50% · 4.625%
HK$102,327
+HK$5,124/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,406/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,545,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,475
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,569
−HK$3,144/mo
Today · 4.125%
HK$105,713
baseline
▲ 0.50% · 4.625%
HK$112,145
+HK$6,432/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$211,426/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,665
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,633
−HK$3,011/mo
Today · 4.125%
HK$116,644
baseline
▲ 0.50% · 4.625%
HK$122,792
+HK$6,148/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$233,288/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,054
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$119,664
−HK$3,668/mo
Today · 4.125%
HK$123,332
baseline
▲ 0.50% · 4.625%
HK$130,836
+HK$7,504/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$246,664/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,109
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$132,571
−HK$3,513/mo
Today · 4.125%
HK$136,084
baseline
▲ 0.50% · 4.625%
HK$143,257
+HK$7,173/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$272,168/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,212
−HK$9,357/mo
▼ 0.25% · 3.875%
HK$153,854
−HK$4,715/mo
Today · 4.125%
HK$158,569
baseline
▲ 0.50% · 4.625%
HK$168,218
+HK$9,649/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$317,138/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,997
−HK$8,968/mo
▼ 0.25% · 3.875%
HK$170,449
−HK$4,516/mo
Today · 4.125%
HK$174,965
baseline
▲ 0.50% · 4.625%
HK$184,188
+HK$9,223/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$349,930/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,031 · Scale 2, in force from 26 Feb 2026)