LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,210
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,798
−HK$2,630/mo
Today · 4.125%
HK$88,428
baseline
▲ 0.50% · 4.625%
HK$93,808
+HK$5,380/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,856/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,570
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,053
−HK$2,518/mo
Today · 4.125%
HK$97,571
baseline
▲ 0.50% · 4.625%
HK$102,714
+HK$5,143/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,142/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,852
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,958
−HK$3,155/mo
Today · 4.125%
HK$106,113
baseline
▲ 0.50% · 4.625%
HK$112,570
+HK$6,457/mo
Deposit HK$14.60M · loan HK$21.89M · min. income ≈ HK$212,226/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,084
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,063
−HK$3,023/mo
Today · 4.125%
HK$117,086
baseline
▲ 0.50% · 4.625%
HK$123,257
+HK$6,171/mo
Deposit HK$14.60M · loan HK$21.89M · min. income ≈ HK$234,172/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,494
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,117
−HK$3,682/mo
Today · 4.125%
HK$123,799
baseline
▲ 0.50% · 4.625%
HK$131,332
+HK$7,533/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$247,598/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,598
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,074
−HK$3,526/mo
Today · 4.125%
HK$136,600
baseline
▲ 0.50% · 4.625%
HK$143,800
+HK$7,200/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$273,200/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,778
−HK$9,392/mo
▼ 0.25% · 3.875%
HK$154,437
−HK$4,733/mo
Today · 4.125%
HK$159,170
baseline
▲ 0.50% · 4.625%
HK$168,855
+HK$9,685/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,340/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,626
−HK$9,002/mo
▼ 0.25% · 3.875%
HK$171,095
−HK$4,533/mo
Today · 4.125%
HK$175,628
baseline
▲ 0.50% · 4.625%
HK$184,886
+HK$9,258/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,256/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,886 · Scale 2, in force from 26 Feb 2026)