LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,236
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,825
−HK$2,630/mo
Today · 4.125%
HK$88,455
baseline
▲ 0.50% · 4.625%
HK$93,838
+HK$5,383/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,910/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,599
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,082
−HK$2,520/mo
Today · 4.125%
HK$97,602
baseline
▲ 0.50% · 4.625%
HK$102,747
+HK$5,145/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,204/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,883
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,990
−HK$3,156/mo
Today · 4.125%
HK$106,146
baseline
▲ 0.50% · 4.625%
HK$112,605
+HK$6,459/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,292/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,119
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,099
−HK$3,023/mo
Today · 4.125%
HK$117,122
baseline
▲ 0.50% · 4.625%
HK$123,296
+HK$6,174/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,244/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,530
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$120,155
−HK$3,683/mo
Today · 4.125%
HK$123,838
baseline
▲ 0.50% · 4.625%
HK$131,373
+HK$7,535/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,676/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,639
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$133,115
−HK$3,528/mo
Today · 4.125%
HK$136,643
baseline
▲ 0.50% · 4.625%
HK$143,845
+HK$7,202/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,286/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,824
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$154,485
−HK$4,735/mo
Today · 4.125%
HK$159,220
baseline
▲ 0.50% · 4.625%
HK$168,908
+HK$9,688/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$318,440/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,678
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$171,148
−HK$4,535/mo
Today · 4.125%
HK$175,683
baseline
▲ 0.50% · 4.625%
HK$184,944
+HK$9,261/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$351,366/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,370 · Scale 2, in force from 26 Feb 2026)