LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,922
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,501
−HK$2,621/mo
Today · 4.125%
HK$88,122
baseline
▲ 0.50% · 4.625%
HK$93,484
+HK$5,362/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,244/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,250
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,724
−HK$2,510/mo
Today · 4.125%
HK$97,234
baseline
▲ 0.50% · 4.625%
HK$102,359
+HK$5,125/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,468/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,506
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,601
−HK$3,145/mo
Today · 4.125%
HK$105,746
baseline
▲ 0.50% · 4.625%
HK$112,181
+HK$6,435/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$211,492/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,700
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,669
−HK$3,011/mo
Today · 4.125%
HK$116,680
baseline
▲ 0.50% · 4.625%
HK$122,831
+HK$6,151/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$233,360/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,091
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$119,702
−HK$3,669/mo
Today · 4.125%
HK$123,371
baseline
▲ 0.50% · 4.625%
HK$130,877
+HK$7,506/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,742/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,150
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$132,613
−HK$3,514/mo
Today · 4.125%
HK$136,127
baseline
▲ 0.50% · 4.625%
HK$143,303
+HK$7,176/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,254/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,259
−HK$9,360/mo
▼ 0.25% · 3.875%
HK$153,902
−HK$4,717/mo
Today · 4.125%
HK$158,619
baseline
▲ 0.50% · 4.625%
HK$168,271
+HK$9,652/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$317,238/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,050
−HK$8,971/mo
▼ 0.25% · 3.875%
HK$170,503
−HK$4,518/mo
Today · 4.125%
HK$175,021
baseline
▲ 0.50% · 4.625%
HK$184,246
+HK$9,225/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$350,042/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,520 · Scale 2, in force from 26 Feb 2026)