LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,212
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,800
−HK$2,630/mo
Today · 4.125%
HK$88,430
baseline
▲ 0.50% · 4.625%
HK$93,811
+HK$5,381/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,860/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,572
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,055
−HK$2,519/mo
Today · 4.125%
HK$97,574
baseline
▲ 0.50% · 4.625%
HK$102,717
+HK$5,143/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,148/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,854
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,960
−HK$3,156/mo
Today · 4.125%
HK$106,116
baseline
▲ 0.50% · 4.625%
HK$112,573
+HK$6,457/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,232/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,087
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,066
−HK$3,022/mo
Today · 4.125%
HK$117,088
baseline
▲ 0.50% · 4.625%
HK$123,260
+HK$6,172/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,176/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,496
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$120,120
−HK$3,682/mo
Today · 4.125%
HK$123,802
baseline
▲ 0.50% · 4.625%
HK$131,335
+HK$7,533/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$247,604/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,601
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,077
−HK$3,526/mo
Today · 4.125%
HK$136,603
baseline
▲ 0.50% · 4.625%
HK$143,804
+HK$7,201/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$273,206/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,781
−HK$9,393/mo
▼ 0.25% · 3.875%
HK$154,440
−HK$4,734/mo
Today · 4.125%
HK$159,174
baseline
▲ 0.50% · 4.625%
HK$168,859
+HK$9,685/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,348/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,630
−HK$9,003/mo
▼ 0.25% · 3.875%
HK$171,099
−HK$4,534/mo
Today · 4.125%
HK$175,633
baseline
▲ 0.50% · 4.625%
HK$184,890
+HK$9,257/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,266/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,922 · Scale 2, in force from 26 Feb 2026)