LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,283
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,811
−HK$2,569/mo
Today · 4.125%
HK$86,380
baseline
▲ 0.50% · 4.625%
HK$91,636
+HK$5,256/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,760/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,514,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,427
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,852
−HK$2,460/mo
Today · 4.125%
HK$95,312
baseline
▲ 0.50% · 4.625%
HK$100,336
+HK$5,024/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,624/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,514,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,540
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,574
−HK$3,082/mo
Today · 4.125%
HK$103,656
baseline
▲ 0.50% · 4.625%
HK$109,964
+HK$6,308/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$207,312/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,512
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,422
−HK$2,953/mo
Today · 4.125%
HK$114,375
baseline
▲ 0.50% · 4.625%
HK$120,403
+HK$6,028/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$228,750/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,796
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,336
−HK$3,596/mo
Today · 4.125%
HK$120,932
baseline
▲ 0.50% · 4.625%
HK$128,291
+HK$7,359/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$241,864/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,597
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$129,993
−HK$3,444/mo
Today · 4.125%
HK$133,437
baseline
▲ 0.50% · 4.625%
HK$140,471
+HK$7,034/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$266,874/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,310
−HK$9,175/mo
▼ 0.25% · 3.875%
HK$150,861
−HK$4,624/mo
Today · 4.125%
HK$155,485
baseline
▲ 0.50% · 4.625%
HK$164,945
+HK$9,460/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$310,970/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,768
−HK$8,794/mo
▼ 0.25% · 3.875%
HK$167,133
−HK$4,429/mo
Today · 4.125%
HK$171,562
baseline
▲ 0.50% · 4.625%
HK$180,605
+HK$9,043/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$343,124/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,976 · Scale 2, in force from 26 Feb 2026)