LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,006
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,588
−HK$2,624/mo
Today · 4.125%
HK$88,212
baseline
▲ 0.50% · 4.625%
HK$93,579
+HK$5,367/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,424/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,344
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,821
−HK$2,512/mo
Today · 4.125%
HK$97,333
baseline
▲ 0.50% · 4.625%
HK$102,464
+HK$5,131/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,666/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,608
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,706
−HK$3,148/mo
Today · 4.125%
HK$105,854
baseline
▲ 0.50% · 4.625%
HK$112,295
+HK$6,441/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,708/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,813
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,785
−HK$3,015/mo
Today · 4.125%
HK$116,800
baseline
▲ 0.50% · 4.625%
HK$122,956
+HK$6,156/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,600/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,209
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,824
−HK$3,672/mo
Today · 4.125%
HK$123,496
baseline
▲ 0.50% · 4.625%
HK$131,011
+HK$7,515/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,992/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,281
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$132,749
−HK$3,517/mo
Today · 4.125%
HK$136,266
baseline
▲ 0.50% · 4.625%
HK$143,449
+HK$7,183/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,532/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,412
−HK$9,369/mo
▼ 0.25% · 3.875%
HK$154,059
−HK$4,722/mo
Today · 4.125%
HK$158,781
baseline
▲ 0.50% · 4.625%
HK$168,443
+HK$9,662/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,562/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,219
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$170,677
−HK$4,522/mo
Today · 4.125%
HK$175,199
baseline
▲ 0.50% · 4.625%
HK$184,434
+HK$9,235/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,398/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,097 · Scale 2, in force from 26 Feb 2026)