LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,322
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,852
−HK$2,570/mo
Today · 4.125%
HK$86,422
baseline
▲ 0.50% · 4.625%
HK$91,680
+HK$5,258/mo
Deposit HK$17.83M · loan HK$17.83M · min. income ≈ HK$172,844/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,515,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,470
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,896
−HK$2,462/mo
Today · 4.125%
HK$95,358
baseline
▲ 0.50% · 4.625%
HK$100,384
+HK$5,026/mo
Deposit HK$17.83M · loan HK$17.83M · min. income ≈ HK$190,716/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,515,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,587
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,622
−HK$3,084/mo
Today · 4.125%
HK$103,706
baseline
▲ 0.50% · 4.625%
HK$110,016
+HK$6,310/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$207,412/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,515,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,564
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,476
−HK$2,953/mo
Today · 4.125%
HK$114,429
baseline
▲ 0.50% · 4.625%
HK$120,461
+HK$6,032/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$228,858/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,515,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,851
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,392
−HK$3,598/mo
Today · 4.125%
HK$120,990
baseline
▲ 0.50% · 4.625%
HK$128,352
+HK$7,362/mo
Deposit HK$10.70M · loan HK$24.96M · min. income ≈ HK$241,980/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,658
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,055
−HK$3,446/mo
Today · 4.125%
HK$133,501
baseline
▲ 0.50% · 4.625%
HK$140,538
+HK$7,037/mo
Deposit HK$10.70M · loan HK$24.96M · min. income ≈ HK$267,002/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,380
−HK$9,179/mo
▼ 0.25% · 3.875%
HK$150,933
−HK$4,626/mo
Today · 4.125%
HK$155,559
baseline
▲ 0.50% · 4.625%
HK$165,024
+HK$9,465/mo
Deposit HK$3.57M · loan HK$32.10M · min. income ≈ HK$311,118/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,846
−HK$8,798/mo
▼ 0.25% · 3.875%
HK$167,213
−HK$4,431/mo
Today · 4.125%
HK$171,644
baseline
▲ 0.50% · 4.625%
HK$180,692
+HK$9,048/mo
Deposit HK$3.57M · loan HK$32.10M · min. income ≈ HK$343,288/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,702 · Scale 2, in force from 26 Feb 2026)