LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,974
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,555
−HK$2,622/mo
Today · 4.125%
HK$88,177
baseline
▲ 0.50% · 4.625%
HK$93,542
+HK$5,365/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,354/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,307
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,783
−HK$2,512/mo
Today · 4.125%
HK$97,295
baseline
▲ 0.50% · 4.625%
HK$102,423
+HK$5,128/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,590/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,568
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,666
−HK$3,146/mo
Today · 4.125%
HK$105,812
baseline
▲ 0.50% · 4.625%
HK$112,251
+HK$6,439/mo
Deposit HK$14.56M · loan HK$21.83M · min. income ≈ HK$211,624/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,769
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,740
−HK$3,013/mo
Today · 4.125%
HK$116,753
baseline
▲ 0.50% · 4.625%
HK$122,908
+HK$6,155/mo
Deposit HK$14.56M · loan HK$21.83M · min. income ≈ HK$233,506/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,163
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$119,777
−HK$3,671/mo
Today · 4.125%
HK$123,448
baseline
▲ 0.50% · 4.625%
HK$130,959
+HK$7,511/mo
Deposit HK$10.92M · loan HK$25.47M · min. income ≈ HK$246,896/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,230
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$132,696
−HK$3,516/mo
Today · 4.125%
HK$136,212
baseline
▲ 0.50% · 4.625%
HK$143,392
+HK$7,180/mo
Deposit HK$10.92M · loan HK$25.47M · min. income ≈ HK$272,424/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,353
−HK$9,365/mo
▼ 0.25% · 3.875%
HK$153,998
−HK$4,720/mo
Today · 4.125%
HK$158,718
baseline
▲ 0.50% · 4.625%
HK$168,376
+HK$9,658/mo
Deposit HK$3.64M · loan HK$32.75M · min. income ≈ HK$317,436/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,153
−HK$8,977/mo
▼ 0.25% · 3.875%
HK$170,610
−HK$4,520/mo
Today · 4.125%
HK$175,130
baseline
▲ 0.50% · 4.625%
HK$184,361
+HK$9,231/mo
Deposit HK$3.64M · loan HK$32.75M · min. income ≈ HK$350,260/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,486 · Scale 2, in force from 26 Feb 2026)