LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,914
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,493
−HK$2,621/mo
Today · 4.125%
HK$88,114
baseline
▲ 0.50% · 4.625%
HK$93,475
+HK$5,361/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,228/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,241
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,715
−HK$2,510/mo
Today · 4.125%
HK$97,225
baseline
▲ 0.50% · 4.625%
HK$102,350
+HK$5,125/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,450/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,497
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,592
−HK$3,144/mo
Today · 4.125%
HK$105,736
baseline
▲ 0.50% · 4.625%
HK$112,170
+HK$6,434/mo
Deposit HK$14.54M · loan HK$21.82M · min. income ≈ HK$211,472/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,689
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,658
−HK$3,012/mo
Today · 4.125%
HK$116,670
baseline
▲ 0.50% · 4.625%
HK$122,819
+HK$6,149/mo
Deposit HK$14.54M · loan HK$21.82M · min. income ≈ HK$233,340/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,080
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$119,691
−HK$3,668/mo
Today · 4.125%
HK$123,359
baseline
▲ 0.50% · 4.625%
HK$130,865
+HK$7,506/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$246,718/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,138
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$132,601
−HK$3,514/mo
Today · 4.125%
HK$136,115
baseline
▲ 0.50% · 4.625%
HK$143,289
+HK$7,174/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$272,230/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,246
−HK$9,359/mo
▼ 0.25% · 3.875%
HK$153,888
−HK$4,717/mo
Today · 4.125%
HK$158,605
baseline
▲ 0.50% · 4.625%
HK$168,255
+HK$9,650/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$317,210/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,034
−HK$8,970/mo
▼ 0.25% · 3.875%
HK$170,487
−HK$4,517/mo
Today · 4.125%
HK$175,004
baseline
▲ 0.50% · 4.625%
HK$184,229
+HK$9,225/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$350,008/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,376 · Scale 2, in force from 26 Feb 2026)