LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,216
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,804
−HK$2,630/mo
Today · 4.125%
HK$88,434
baseline
▲ 0.50% · 4.625%
HK$93,815
+HK$5,381/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,868/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,576
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,059
−HK$2,519/mo
Today · 4.125%
HK$97,578
baseline
▲ 0.50% · 4.625%
HK$102,722
+HK$5,144/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,156/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,859
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,965
−HK$3,156/mo
Today · 4.125%
HK$106,121
baseline
▲ 0.50% · 4.625%
HK$112,578
+HK$6,457/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,242/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,092
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,071
−HK$3,023/mo
Today · 4.125%
HK$117,094
baseline
▲ 0.50% · 4.625%
HK$123,266
+HK$6,172/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,188/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,502
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,126
−HK$3,681/mo
Today · 4.125%
HK$123,807
baseline
▲ 0.50% · 4.625%
HK$131,341
+HK$7,534/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,614/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,607
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,083
−HK$3,526/mo
Today · 4.125%
HK$136,609
baseline
▲ 0.50% · 4.625%
HK$143,810
+HK$7,201/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,218/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,788
−HK$9,393/mo
▼ 0.25% · 3.875%
HK$154,447
−HK$4,734/mo
Today · 4.125%
HK$159,181
baseline
▲ 0.50% · 4.625%
HK$168,867
+HK$9,686/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,362/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,638
−HK$9,003/mo
▼ 0.25% · 3.875%
HK$171,107
−HK$4,534/mo
Today · 4.125%
HK$175,641
baseline
▲ 0.50% · 4.625%
HK$184,899
+HK$9,258/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,282/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,993 · Scale 2, in force from 26 Feb 2026)