LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,213
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,802
−HK$2,630/mo
Today · 4.125%
HK$88,432
baseline
▲ 0.50% · 4.625%
HK$93,812
+HK$5,380/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,864/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,574
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,057
−HK$2,518/mo
Today · 4.125%
HK$97,575
baseline
▲ 0.50% · 4.625%
HK$102,719
+HK$5,144/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,150/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,856
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,962
−HK$3,156/mo
Today · 4.125%
HK$106,118
baseline
▲ 0.50% · 4.625%
HK$112,575
+HK$6,457/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,236/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,089
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,068
−HK$3,023/mo
Today · 4.125%
HK$117,091
baseline
▲ 0.50% · 4.625%
HK$123,263
+HK$6,172/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,182/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,499
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,122
−HK$3,682/mo
Today · 4.125%
HK$123,804
baseline
▲ 0.50% · 4.625%
HK$131,337
+HK$7,533/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,608/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,604
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,079
−HK$3,527/mo
Today · 4.125%
HK$136,606
baseline
▲ 0.50% · 4.625%
HK$143,806
+HK$7,200/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,212/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,784
−HK$9,393/mo
▼ 0.25% · 3.875%
HK$154,443
−HK$4,734/mo
Today · 4.125%
HK$159,177
baseline
▲ 0.50% · 4.625%
HK$168,862
+HK$9,685/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,354/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,633
−HK$9,003/mo
▼ 0.25% · 3.875%
HK$171,102
−HK$4,534/mo
Today · 4.125%
HK$175,636
baseline
▲ 0.50% · 4.625%
HK$184,894
+HK$9,258/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,272/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,951 · Scale 2, in force from 26 Feb 2026)