LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,952
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,532
−HK$2,622/mo
Today · 4.125%
HK$88,154
baseline
▲ 0.50% · 4.625%
HK$93,518
+HK$5,364/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,308/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,283
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,758
−HK$2,511/mo
Today · 4.125%
HK$97,269
baseline
▲ 0.50% · 4.625%
HK$102,396
+HK$5,127/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,538/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,542
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,639
−HK$3,145/mo
Today · 4.125%
HK$105,784
baseline
▲ 0.50% · 4.625%
HK$112,221
+HK$6,437/mo
Deposit HK$14.55M · loan HK$21.83M · min. income ≈ HK$211,568/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,740
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,710
−HK$3,013/mo
Today · 4.125%
HK$116,723
baseline
▲ 0.50% · 4.625%
HK$122,875
+HK$6,152/mo
Deposit HK$14.55M · loan HK$21.83M · min. income ≈ HK$233,446/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,133
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$119,745
−HK$3,670/mo
Today · 4.125%
HK$123,415
baseline
▲ 0.50% · 4.625%
HK$130,925
+HK$7,510/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,830/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,196
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,661
−HK$3,515/mo
Today · 4.125%
HK$136,176
baseline
▲ 0.50% · 4.625%
HK$143,354
+HK$7,178/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,352/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,313
−HK$9,364/mo
▼ 0.25% · 3.875%
HK$153,958
−HK$4,719/mo
Today · 4.125%
HK$158,677
baseline
▲ 0.50% · 4.625%
HK$168,332
+HK$9,655/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$317,354/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,546,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,110
−HK$8,974/mo
▼ 0.25% · 3.875%
HK$170,564
−HK$4,520/mo
Today · 4.125%
HK$175,084
baseline
▲ 0.50% · 4.625%
HK$184,313
+HK$9,229/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$350,168/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,546,078 · Scale 2, in force from 26 Feb 2026)