LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,226
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,815
−HK$2,630/mo
Today · 4.125%
HK$88,445
baseline
▲ 0.50% · 4.625%
HK$93,827
+HK$5,382/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,890/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,588
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,072
−HK$2,519/mo
Today · 4.125%
HK$97,591
baseline
▲ 0.50% · 4.625%
HK$102,735
+HK$5,144/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,182/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,872
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,978
−HK$3,156/mo
Today · 4.125%
HK$106,134
baseline
▲ 0.50% · 4.625%
HK$112,592
+HK$6,458/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,268/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,106
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,086
−HK$3,023/mo
Today · 4.125%
HK$117,109
baseline
▲ 0.50% · 4.625%
HK$123,282
+HK$6,173/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,218/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,517
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,141
−HK$3,683/mo
Today · 4.125%
HK$123,824
baseline
▲ 0.50% · 4.625%
HK$131,358
+HK$7,534/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,648/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,624
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$133,100
−HK$3,527/mo
Today · 4.125%
HK$136,627
baseline
▲ 0.50% · 4.625%
HK$143,829
+HK$7,202/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,254/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,807
−HK$9,395/mo
▼ 0.25% · 3.875%
HK$154,467
−HK$4,735/mo
Today · 4.125%
HK$159,202
baseline
▲ 0.50% · 4.625%
HK$168,889
+HK$9,687/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$318,404/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,659
−HK$9,004/mo
▼ 0.25% · 3.875%
HK$171,129
−HK$4,534/mo
Today · 4.125%
HK$175,663
baseline
▲ 0.50% · 4.625%
HK$184,923
+HK$9,260/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$351,326/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,195 · Scale 2, in force from 26 Feb 2026)