LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,314
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,843
−HK$2,570/mo
Today · 4.125%
HK$86,413
baseline
▲ 0.50% · 4.625%
HK$91,671
+HK$5,258/mo
Deposit HK$17.83M · loan HK$17.83M · min. income ≈ HK$172,826/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,515,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,460
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,887
−HK$2,461/mo
Today · 4.125%
HK$95,348
baseline
▲ 0.50% · 4.625%
HK$100,374
+HK$5,026/mo
Deposit HK$17.83M · loan HK$17.83M · min. income ≈ HK$190,696/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,515,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,576
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,611
−HK$3,084/mo
Today · 4.125%
HK$103,695
baseline
▲ 0.50% · 4.625%
HK$110,005
+HK$6,310/mo
Deposit HK$14.26M · loan HK$21.40M · min. income ≈ HK$207,390/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,515,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,553
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,464
−HK$2,953/mo
Today · 4.125%
HK$114,417
baseline
▲ 0.50% · 4.625%
HK$120,448
+HK$6,031/mo
Deposit HK$14.26M · loan HK$21.40M · min. income ≈ HK$228,834/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,515,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,839
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,380
−HK$3,598/mo
Today · 4.125%
HK$120,978
baseline
▲ 0.50% · 4.625%
HK$128,339
+HK$7,361/mo
Deposit HK$10.70M · loan HK$24.96M · min. income ≈ HK$241,956/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,645
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$130,041
−HK$3,446/mo
Today · 4.125%
HK$133,487
baseline
▲ 0.50% · 4.625%
HK$140,523
+HK$7,036/mo
Deposit HK$10.70M · loan HK$24.96M · min. income ≈ HK$266,974/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,364
−HK$9,179/mo
▼ 0.25% · 3.875%
HK$150,917
−HK$4,626/mo
Today · 4.125%
HK$155,543
baseline
▲ 0.50% · 4.625%
HK$165,007
+HK$9,464/mo
Deposit HK$3.57M · loan HK$32.09M · min. income ≈ HK$311,086/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,829
−HK$8,797/mo
▼ 0.25% · 3.875%
HK$167,196
−HK$4,430/mo
Today · 4.125%
HK$171,626
baseline
▲ 0.50% · 4.625%
HK$180,673
+HK$9,047/mo
Deposit HK$3.57M · loan HK$32.09M · min. income ≈ HK$343,252/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,542 · Scale 2, in force from 26 Feb 2026)