LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,247
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,836
−HK$2,631/mo
Today · 4.125%
HK$88,467
baseline
▲ 0.50% · 4.625%
HK$93,850
+HK$5,383/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,934/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,611
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,095
−HK$2,520/mo
Today · 4.125%
HK$97,615
baseline
▲ 0.50% · 4.625%
HK$102,760
+HK$5,145/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,230/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,896
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,004
−HK$3,157/mo
Today · 4.125%
HK$106,161
baseline
▲ 0.50% · 4.625%
HK$112,620
+HK$6,459/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,322/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,134
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,114
−HK$3,024/mo
Today · 4.125%
HK$117,138
baseline
▲ 0.50% · 4.625%
HK$123,312
+HK$6,174/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,276/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,546
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$120,171
−HK$3,683/mo
Today · 4.125%
HK$123,854
baseline
▲ 0.50% · 4.625%
HK$131,390
+HK$7,536/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$247,708/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,656
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$133,133
−HK$3,528/mo
Today · 4.125%
HK$136,661
baseline
▲ 0.50% · 4.625%
HK$143,864
+HK$7,203/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$273,322/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,844
−HK$9,397/mo
▼ 0.25% · 3.875%
HK$154,505
−HK$4,736/mo
Today · 4.125%
HK$159,241
baseline
▲ 0.50% · 4.625%
HK$168,930
+HK$9,689/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$318,482/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,700
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$171,171
−HK$4,536/mo
Today · 4.125%
HK$175,707
baseline
▲ 0.50% · 4.625%
HK$184,968
+HK$9,261/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$351,414/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,576 · Scale 2, in force from 26 Feb 2026)