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$1,513,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,340
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,763
−HK$2,458/mo
Today · 4.125%
HK$95,221
baseline
▲ 0.50% · 4.625%
HK$100,240
+HK$5,019/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,442/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,446
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,477
−HK$3,080/mo
Today · 4.125%
HK$103,557
baseline
▲ 0.50% · 4.625%
HK$109,858
+HK$6,301/mo
Deposit HK$14.24M · loan HK$21.37M · min. income ≈ HK$207,114/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,408
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,315
−HK$2,950/mo
Today · 4.125%
HK$114,265
baseline
▲ 0.50% · 4.625%
HK$120,288
+HK$6,023/mo
Deposit HK$14.24M · loan HK$21.37M · min. income ≈ HK$228,530/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,687
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,224
−HK$3,592/mo
Today · 4.125%
HK$120,816
baseline
▲ 0.50% · 4.625%
HK$128,168
+HK$7,352/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$1,513,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,476
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,868
−HK$3,441/mo
Today · 4.125%
HK$133,309
baseline
▲ 0.50% · 4.625%
HK$140,336
+HK$7,027/mo
Deposit HK$10.68M · loan HK$24.93M · min. income ≈ HK$266,618/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,169
−HK$9,166/mo
▼ 0.25% · 3.875%
HK$150,716
−HK$4,619/mo
Today · 4.125%
HK$155,335
baseline
▲ 0.50% · 4.625%
HK$164,787
+HK$9,452/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$1,513,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,612
−HK$8,785/mo
▼ 0.25% · 3.875%
HK$166,973
−HK$4,424/mo
Today · 4.125%
HK$171,397
baseline
▲ 0.50% · 4.625%
HK$180,432
+HK$9,035/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$1,513,523 · Scale 2, in force from 26 Feb 2026)