LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,240
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,829
−HK$2,631/mo
Today · 4.125%
HK$88,460
baseline
▲ 0.50% · 4.625%
HK$93,842
+HK$5,382/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,920/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,603
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,087
−HK$2,519/mo
Today · 4.125%
HK$97,606
baseline
▲ 0.50% · 4.625%
HK$102,751
+HK$5,145/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,212/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,888
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,995
−HK$3,156/mo
Today · 4.125%
HK$106,151
baseline
▲ 0.50% · 4.625%
HK$112,611
+HK$6,460/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,302/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,124
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,104
−HK$3,024/mo
Today · 4.125%
HK$117,128
baseline
▲ 0.50% · 4.625%
HK$123,302
+HK$6,174/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,256/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,536
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,161
−HK$3,682/mo
Today · 4.125%
HK$123,843
baseline
▲ 0.50% · 4.625%
HK$131,379
+HK$7,536/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,686/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,645
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$133,122
−HK$3,527/mo
Today · 4.125%
HK$136,649
baseline
▲ 0.50% · 4.625%
HK$143,852
+HK$7,203/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,298/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,831
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$154,492
−HK$4,735/mo
Today · 4.125%
HK$159,227
baseline
▲ 0.50% · 4.625%
HK$168,916
+HK$9,689/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$318,454/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,686
−HK$9,006/mo
▼ 0.25% · 3.875%
HK$171,156
−HK$4,536/mo
Today · 4.125%
HK$175,692
baseline
▲ 0.50% · 4.625%
HK$184,952
+HK$9,260/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$351,384/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,443 · Scale 2, in force from 26 Feb 2026)