LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,236
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,825
−HK$2,631/mo
Today · 4.125%
HK$88,456
baseline
▲ 0.50% · 4.625%
HK$93,838
+HK$5,382/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,912/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,599
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,083
−HK$2,519/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$1,551,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,883
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,990
−HK$3,157/mo
Today · 4.125%
HK$106,147
baseline
▲ 0.50% · 4.625%
HK$112,606
+HK$6,459/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,294/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,119
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,099
−HK$3,024/mo
Today · 4.125%
HK$117,123
baseline
▲ 0.50% · 4.625%
HK$123,296
+HK$6,173/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,246/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,531
−HK$7,307/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$1,551,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,639
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$133,116
−HK$3,527/mo
Today · 4.125%
HK$136,643
baseline
▲ 0.50% · 4.625%
HK$143,846
+HK$7,203/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$1,551,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,825
−HK$9,395/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$1,551,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,679
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$171,149
−HK$4,535/mo
Today · 4.125%
HK$175,684
baseline
▲ 0.50% · 4.625%
HK$184,944
+HK$9,260/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$351,368/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,376 · Scale 2, in force from 26 Feb 2026)