LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,066
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,588
−HK$2,562/mo
Today · 4.125%
HK$86,150
baseline
▲ 0.50% · 4.625%
HK$91,392
+HK$5,242/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$172,300/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,510,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,185
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,604
−HK$2,454/mo
Today · 4.125%
HK$95,058
baseline
▲ 0.50% · 4.625%
HK$100,068
+HK$5,010/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$190,116/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,510,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,279
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,305
−HK$3,075/mo
Today · 4.125%
HK$103,380
baseline
▲ 0.50% · 4.625%
HK$109,670
+HK$6,290/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$206,760/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,222
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,125
−HK$2,944/mo
Today · 4.125%
HK$114,069
baseline
▲ 0.50% · 4.625%
HK$120,082
+HK$6,013/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$228,138/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,493
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,023
−HK$3,587/mo
Today · 4.125%
HK$120,610
baseline
▲ 0.50% · 4.625%
HK$127,949
+HK$7,339/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$241,220/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,510,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,260
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,646
−HK$3,435/mo
Today · 4.125%
HK$133,081
baseline
▲ 0.50% · 4.625%
HK$140,096
+HK$7,015/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$266,162/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,510,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,919
−HK$9,151/mo
▼ 0.25% · 3.875%
HK$150,458
−HK$4,612/mo
Today · 4.125%
HK$155,070
baseline
▲ 0.50% · 4.625%
HK$164,505
+HK$9,435/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$310,140/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,334
−HK$8,770/mo
▼ 0.25% · 3.875%
HK$166,687
−HK$4,417/mo
Today · 4.125%
HK$171,104
baseline
▲ 0.50% · 4.625%
HK$180,123
+HK$9,019/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$342,208/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,934 · Scale 2, in force from 26 Feb 2026)