LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,181
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,707
−HK$2,565/mo
Today · 4.125%
HK$86,272
baseline
▲ 0.50% · 4.625%
HK$91,522
+HK$5,250/mo
Deposit HK$17.80M · loan HK$17.80M · min. income ≈ HK$172,544/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,513,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,313
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,736
−HK$2,457/mo
Today · 4.125%
HK$95,193
baseline
▲ 0.50% · 4.625%
HK$100,210
+HK$5,017/mo
Deposit HK$17.80M · loan HK$17.80M · min. income ≈ HK$190,386/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,513,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,418
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,448
−HK$3,079/mo
Today · 4.125%
HK$103,527
baseline
▲ 0.50% · 4.625%
HK$109,826
+HK$6,299/mo
Deposit HK$14.24M · loan HK$21.36M · min. income ≈ HK$207,054/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,513,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,376
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,283
−HK$2,948/mo
Today · 4.125%
HK$114,231
baseline
▲ 0.50% · 4.625%
HK$120,253
+HK$6,022/mo
Deposit HK$14.24M · loan HK$21.36M · min. income ≈ HK$228,462/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,513,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,654
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$117,189
−HK$3,592/mo
Today · 4.125%
HK$120,781
baseline
▲ 0.50% · 4.625%
HK$128,130
+HK$7,349/mo
Deposit HK$10.68M · loan HK$24.92M · min. income ≈ HK$241,562/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,513,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,439
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$129,830
−HK$3,440/mo
Today · 4.125%
HK$133,270
baseline
▲ 0.50% · 4.625%
HK$140,295
+HK$7,025/mo
Deposit HK$10.68M · loan HK$24.92M · min. income ≈ HK$266,540/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,513,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,126
−HK$9,164/mo
▼ 0.25% · 3.875%
HK$150,672
−HK$4,618/mo
Today · 4.125%
HK$155,290
baseline
▲ 0.50% · 4.625%
HK$164,739
+HK$9,449/mo
Deposit HK$3.56M · loan HK$32.04M · min. income ≈ HK$310,580/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,564
−HK$8,783/mo
▼ 0.25% · 3.875%
HK$166,924
−HK$4,423/mo
Today · 4.125%
HK$171,347
baseline
▲ 0.50% · 4.625%
HK$180,379
+HK$9,032/mo
Deposit HK$3.56M · loan HK$32.04M · min. income ≈ HK$342,694/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,078 · Scale 2, in force from 26 Feb 2026)