LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,335
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,865
−HK$2,570/mo
Today · 4.125%
HK$86,435
baseline
▲ 0.50% · 4.625%
HK$91,695
+HK$5,260/mo
Deposit HK$17.83M · loan HK$17.83M · min. income ≈ HK$172,870/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,515,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,484
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,911
−HK$2,462/mo
Today · 4.125%
HK$95,373
baseline
▲ 0.50% · 4.625%
HK$100,400
+HK$5,027/mo
Deposit HK$17.83M · loan HK$17.83M · min. income ≈ HK$190,746/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,515,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,602
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,638
−HK$3,084/mo
Today · 4.125%
HK$103,722
baseline
▲ 0.50% · 4.625%
HK$110,034
+HK$6,312/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$207,444/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,515,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,581
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,493
−HK$2,954/mo
Today · 4.125%
HK$114,447
baseline
▲ 0.50% · 4.625%
HK$120,480
+HK$6,033/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$228,894/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,515,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,869
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$117,411
−HK$3,598/mo
Today · 4.125%
HK$121,009
baseline
▲ 0.50% · 4.625%
HK$128,373
+HK$7,364/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$242,018/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,515,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,678
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$130,075
−HK$3,447/mo
Today · 4.125%
HK$133,522
baseline
▲ 0.50% · 4.625%
HK$140,560
+HK$7,038/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$267,044/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,515,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,403
−HK$9,181/mo
▼ 0.25% · 3.875%
HK$150,957
−HK$4,627/mo
Today · 4.125%
HK$155,584
baseline
▲ 0.50% · 4.625%
HK$165,050
+HK$9,466/mo
Deposit HK$3.57M · loan HK$32.10M · min. income ≈ HK$311,168/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,872
−HK$8,799/mo
▼ 0.25% · 3.875%
HK$167,240
−HK$4,431/mo
Today · 4.125%
HK$171,671
baseline
▲ 0.50% · 4.625%
HK$180,720
+HK$9,049/mo
Deposit HK$3.57M · loan HK$32.10M · min. income ≈ HK$343,342/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,941 · Scale 2, in force from 26 Feb 2026)