LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,237
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,826
−HK$2,631/mo
Today · 4.125%
HK$88,457
baseline
▲ 0.50% · 4.625%
HK$93,839
+HK$5,382/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,914/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,600
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,084
−HK$2,519/mo
Today · 4.125%
HK$97,603
baseline
▲ 0.50% · 4.625%
HK$102,748
+HK$5,145/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,206/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,884
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,991
−HK$3,157/mo
Today · 4.125%
HK$106,148
baseline
▲ 0.50% · 4.625%
HK$112,607
+HK$6,459/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,296/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,120
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,101
−HK$3,023/mo
Today · 4.125%
HK$117,124
baseline
▲ 0.50% · 4.625%
HK$123,298
+HK$6,174/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,248/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,532
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,157
−HK$3,682/mo
Today · 4.125%
HK$123,839
baseline
▲ 0.50% · 4.625%
HK$131,375
+HK$7,536/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,678/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,640
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$133,117
−HK$3,528/mo
Today · 4.125%
HK$136,645
baseline
▲ 0.50% · 4.625%
HK$143,847
+HK$7,202/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,290/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,827
−HK$9,395/mo
▼ 0.25% · 3.875%
HK$154,487
−HK$4,735/mo
Today · 4.125%
HK$159,222
baseline
▲ 0.50% · 4.625%
HK$168,910
+HK$9,688/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$318,444/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,681
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$171,151
−HK$4,535/mo
Today · 4.125%
HK$175,686
baseline
▲ 0.50% · 4.625%
HK$184,946
+HK$9,260/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$351,372/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,393 · Scale 2, in force from 26 Feb 2026)