LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,933
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,513
−HK$2,621/mo
Today · 4.125%
HK$88,134
baseline
▲ 0.50% · 4.625%
HK$93,497
+HK$5,363/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,268/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,262
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,737
−HK$2,510/mo
Today · 4.125%
HK$97,247
baseline
▲ 0.50% · 4.625%
HK$102,373
+HK$5,126/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,494/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,520
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,615
−HK$3,146/mo
Today · 4.125%
HK$105,761
baseline
▲ 0.50% · 4.625%
HK$112,196
+HK$6,435/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$211,522/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,715
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,684
−HK$3,012/mo
Today · 4.125%
HK$116,696
baseline
▲ 0.50% · 4.625%
HK$122,848
+HK$6,152/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$233,392/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,106
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$119,718
−HK$3,669/mo
Today · 4.125%
HK$123,387
baseline
▲ 0.50% · 4.625%
HK$130,895
+HK$7,508/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,774/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,167
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$132,631
−HK$3,515/mo
Today · 4.125%
HK$136,146
baseline
▲ 0.50% · 4.625%
HK$143,322
+HK$7,176/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,292/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,280
−HK$9,361/mo
▼ 0.25% · 3.875%
HK$153,923
−HK$4,718/mo
Today · 4.125%
HK$158,641
baseline
▲ 0.50% · 4.625%
HK$168,294
+HK$9,653/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$317,282/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,072
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$170,526
−HK$4,518/mo
Today · 4.125%
HK$175,044
baseline
▲ 0.50% · 4.625%
HK$184,271
+HK$9,227/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$350,088/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,729 · Scale 2, in force from 26 Feb 2026)