LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,246
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,835
−HK$2,631/mo
Today · 4.125%
HK$88,466
baseline
▲ 0.50% · 4.625%
HK$93,849
+HK$5,383/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,932/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,610
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,094
−HK$2,520/mo
Today · 4.125%
HK$97,614
baseline
▲ 0.50% · 4.625%
HK$102,759
+HK$5,145/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,228/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,895
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,003
−HK$3,157/mo
Today · 4.125%
HK$106,160
baseline
▲ 0.50% · 4.625%
HK$112,619
+HK$6,459/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,320/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,132
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,113
−HK$3,024/mo
Today · 4.125%
HK$117,137
baseline
▲ 0.50% · 4.625%
HK$123,311
+HK$6,174/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,274/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,544
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$120,170
−HK$3,683/mo
Today · 4.125%
HK$123,853
baseline
▲ 0.50% · 4.625%
HK$131,389
+HK$7,536/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$247,706/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,655
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$133,132
−HK$3,527/mo
Today · 4.125%
HK$136,659
baseline
▲ 0.50% · 4.625%
HK$143,863
+HK$7,204/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$273,318/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,843
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$154,504
−HK$4,735/mo
Today · 4.125%
HK$159,239
baseline
▲ 0.50% · 4.625%
HK$168,929
+HK$9,690/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$318,478/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,699
−HK$9,006/mo
▼ 0.25% · 3.875%
HK$171,169
−HK$4,536/mo
Today · 4.125%
HK$175,705
baseline
▲ 0.50% · 4.625%
HK$184,967
+HK$9,262/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$351,410/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,561 · Scale 2, in force from 26 Feb 2026)