LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,205
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,731
−HK$2,566/mo
Today · 4.125%
HK$86,297
baseline
▲ 0.50% · 4.625%
HK$91,548
+HK$5,251/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,594/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,340
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,762
−HK$2,458/mo
Today · 4.125%
HK$95,220
baseline
▲ 0.50% · 4.625%
HK$100,240
+HK$5,020/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,440/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,446
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,477
−HK$3,079/mo
Today · 4.125%
HK$103,556
baseline
▲ 0.50% · 4.625%
HK$109,858
+HK$6,302/mo
Deposit HK$14.24M · loan HK$21.37M · min. income ≈ HK$207,112/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,407
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,315
−HK$2,949/mo
Today · 4.125%
HK$114,264
baseline
▲ 0.50% · 4.625%
HK$120,287
+HK$6,023/mo
Deposit HK$14.24M · loan HK$21.37M · min. income ≈ HK$228,528/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,687
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,223
−HK$3,593/mo
Today · 4.125%
HK$120,816
baseline
▲ 0.50% · 4.625%
HK$128,167
+HK$7,351/mo
Deposit HK$10.68M · loan HK$24.93M · min. income ≈ HK$241,632/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,475
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,867
−HK$3,441/mo
Today · 4.125%
HK$133,308
baseline
▲ 0.50% · 4.625%
HK$140,335
+HK$7,027/mo
Deposit HK$10.68M · loan HK$24.93M · min. income ≈ HK$266,616/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,169
−HK$9,166/mo
▼ 0.25% · 3.875%
HK$150,715
−HK$4,620/mo
Today · 4.125%
HK$155,335
baseline
▲ 0.50% · 4.625%
HK$164,786
+HK$9,451/mo
Deposit HK$3.56M · loan HK$32.05M · min. income ≈ HK$310,670/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,611
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$166,972
−HK$4,425/mo
Today · 4.125%
HK$171,397
baseline
▲ 0.50% · 4.625%
HK$180,431
+HK$9,034/mo
Deposit HK$3.56M · loan HK$32.05M · min. income ≈ HK$342,794/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,517 · Scale 2, in force from 26 Feb 2026)