LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,912
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,491
−HK$2,620/mo
Today · 4.125%
HK$88,111
baseline
▲ 0.50% · 4.625%
HK$93,472
+HK$5,361/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,222/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,238
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,712
−HK$2,510/mo
Today · 4.125%
HK$97,222
baseline
▲ 0.50% · 4.625%
HK$102,346
+HK$5,124/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,444/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,494
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,589
−HK$3,144/mo
Today · 4.125%
HK$105,733
baseline
▲ 0.50% · 4.625%
HK$112,167
+HK$6,434/mo
Deposit HK$14.54M · loan HK$21.82M · min. income ≈ HK$211,466/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,686
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,655
−HK$3,011/mo
Today · 4.125%
HK$116,666
baseline
▲ 0.50% · 4.625%
HK$122,816
+HK$6,150/mo
Deposit HK$14.54M · loan HK$21.82M · min. income ≈ HK$233,332/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,076
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$119,687
−HK$3,668/mo
Today · 4.125%
HK$123,355
baseline
▲ 0.50% · 4.625%
HK$130,861
+HK$7,506/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$246,710/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,134
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$132,597
−HK$3,513/mo
Today · 4.125%
HK$136,110
baseline
▲ 0.50% · 4.625%
HK$143,285
+HK$7,175/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$272,220/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,241
−HK$9,359/mo
▼ 0.25% · 3.875%
HK$153,883
−HK$4,717/mo
Today · 4.125%
HK$158,600
baseline
▲ 0.50% · 4.625%
HK$168,250
+HK$9,650/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$317,200/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,029
−HK$8,970/mo
▼ 0.25% · 3.875%
HK$170,482
−HK$4,517/mo
Today · 4.125%
HK$174,999
baseline
▲ 0.50% · 4.625%
HK$184,223
+HK$9,224/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$349,998/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,328 · Scale 2, in force from 26 Feb 2026)