LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,289
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,818
−HK$2,569/mo
Today · 4.125%
HK$86,387
baseline
▲ 0.50% · 4.625%
HK$91,643
+HK$5,256/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,774/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,433
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,859
−HK$2,460/mo
Today · 4.125%
HK$95,319
baseline
▲ 0.50% · 4.625%
HK$100,344
+HK$5,025/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,638/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,547
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,581
−HK$3,083/mo
Today · 4.125%
HK$103,664
baseline
▲ 0.50% · 4.625%
HK$109,972
+HK$6,308/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$207,328/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,520
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,430
−HK$2,953/mo
Today · 4.125%
HK$114,383
baseline
▲ 0.50% · 4.625%
HK$120,412
+HK$6,029/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$228,766/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,805
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,345
−HK$3,596/mo
Today · 4.125%
HK$120,941
baseline
▲ 0.50% · 4.625%
HK$128,300
+HK$7,359/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$241,882/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,607
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$130,002
−HK$3,445/mo
Today · 4.125%
HK$133,447
baseline
▲ 0.50% · 4.625%
HK$140,481
+HK$7,034/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$266,894/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,320
−HK$9,176/mo
▼ 0.25% · 3.875%
HK$150,872
−HK$4,624/mo
Today · 4.125%
HK$155,496
baseline
▲ 0.50% · 4.625%
HK$164,957
+HK$9,461/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$310,992/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,780
−HK$8,794/mo
▼ 0.25% · 3.875%
HK$167,146
−HK$4,428/mo
Today · 4.125%
HK$171,574
baseline
▲ 0.50% · 4.625%
HK$180,618
+HK$9,044/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$343,148/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,087 · Scale 2, in force from 26 Feb 2026)