LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,911
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,490
−HK$2,620/mo
Today · 4.125%
HK$88,110
baseline
▲ 0.50% · 4.625%
HK$93,471
+HK$5,361/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,220/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,237
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,711
−HK$2,510/mo
Today · 4.125%
HK$97,221
baseline
▲ 0.50% · 4.625%
HK$102,345
+HK$5,124/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,442/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,493
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,588
−HK$3,144/mo
Today · 4.125%
HK$105,732
baseline
▲ 0.50% · 4.625%
HK$112,165
+HK$6,433/mo
Deposit HK$14.54M · loan HK$21.82M · min. income ≈ HK$211,464/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,685
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,653
−HK$3,012/mo
Today · 4.125%
HK$116,665
baseline
▲ 0.50% · 4.625%
HK$122,814
+HK$6,149/mo
Deposit HK$14.54M · loan HK$21.82M · min. income ≈ HK$233,330/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,075
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$119,686
−HK$3,668/mo
Today · 4.125%
HK$123,354
baseline
▲ 0.50% · 4.625%
HK$130,860
+HK$7,506/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$246,708/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,132
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$132,595
−HK$3,514/mo
Today · 4.125%
HK$136,109
baseline
▲ 0.50% · 4.625%
HK$143,283
+HK$7,174/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$272,218/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,239
−HK$9,359/mo
▼ 0.25% · 3.875%
HK$153,881
−HK$4,717/mo
Today · 4.125%
HK$158,598
baseline
▲ 0.50% · 4.625%
HK$168,248
+HK$9,650/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$317,196/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,027
−HK$8,970/mo
▼ 0.25% · 3.875%
HK$170,480
−HK$4,517/mo
Today · 4.125%
HK$174,997
baseline
▲ 0.50% · 4.625%
HK$184,221
+HK$9,224/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$349,994/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,311 · Scale 2, in force from 26 Feb 2026)