LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,286
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,815
−HK$2,569/mo
Today · 4.125%
HK$86,384
baseline
▲ 0.50% · 4.625%
HK$91,640
+HK$5,256/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,768/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,515,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,430
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,856
−HK$2,460/mo
Today · 4.125%
HK$95,316
baseline
▲ 0.50% · 4.625%
HK$100,340
+HK$5,024/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,632/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,515,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,544
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,578
−HK$3,083/mo
Today · 4.125%
HK$103,661
baseline
▲ 0.50% · 4.625%
HK$109,968
+HK$6,307/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$207,322/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,515,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,516
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,427
−HK$2,952/mo
Today · 4.125%
HK$114,379
baseline
▲ 0.50% · 4.625%
HK$120,408
+HK$6,029/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$228,758/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,515,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,801
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,341
−HK$3,596/mo
Today · 4.125%
HK$120,937
baseline
▲ 0.50% · 4.625%
HK$128,296
+HK$7,359/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$241,874/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,602
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$129,998
−HK$3,444/mo
Today · 4.125%
HK$133,442
baseline
▲ 0.50% · 4.625%
HK$140,476
+HK$7,034/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$266,884/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,316
−HK$9,175/mo
▼ 0.25% · 3.875%
HK$150,867
−HK$4,624/mo
Today · 4.125%
HK$155,491
baseline
▲ 0.50% · 4.625%
HK$164,952
+HK$9,461/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$310,982/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,775
−HK$8,794/mo
▼ 0.25% · 3.875%
HK$167,140
−HK$4,429/mo
Today · 4.125%
HK$171,569
baseline
▲ 0.50% · 4.625%
HK$180,612
+HK$9,043/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$343,138/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,037 · Scale 2, in force from 26 Feb 2026)