LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,927
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,506
−HK$2,621/mo
Today · 4.125%
HK$88,127
baseline
▲ 0.50% · 4.625%
HK$93,489
+HK$5,362/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,254/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,255
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,729
−HK$2,510/mo
Today · 4.125%
HK$97,239
baseline
▲ 0.50% · 4.625%
HK$102,365
+HK$5,126/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,478/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,512
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,607
−HK$3,145/mo
Today · 4.125%
HK$105,752
baseline
▲ 0.50% · 4.625%
HK$112,187
+HK$6,435/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$211,504/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,706
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,675
−HK$3,012/mo
Today · 4.125%
HK$116,687
baseline
▲ 0.50% · 4.625%
HK$122,838
+HK$6,151/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$233,374/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,097
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$119,709
−HK$3,669/mo
Today · 4.125%
HK$123,378
baseline
▲ 0.50% · 4.625%
HK$130,885
+HK$7,507/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,756/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,157
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$132,621
−HK$3,514/mo
Today · 4.125%
HK$136,135
baseline
▲ 0.50% · 4.625%
HK$143,311
+HK$7,176/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,270/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,268
−HK$9,361/mo
▼ 0.25% · 3.875%
HK$153,911
−HK$4,718/mo
Today · 4.125%
HK$158,629
baseline
▲ 0.50% · 4.625%
HK$168,281
+HK$9,652/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$317,258/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,059
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$170,513
−HK$4,518/mo
Today · 4.125%
HK$175,031
baseline
▲ 0.50% · 4.625%
HK$184,257
+HK$9,226/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$350,062/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,610 · Scale 2, in force from 26 Feb 2026)