LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,388
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,920
−HK$2,572/mo
Today · 4.125%
HK$86,492
baseline
▲ 0.50% · 4.625%
HK$91,755
+HK$5,263/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$172,984/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,544
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,972
−HK$2,463/mo
Today · 4.125%
HK$95,435
baseline
▲ 0.50% · 4.625%
HK$100,466
+HK$5,031/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$190,870/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,666
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,704
−HK$3,086/mo
Today · 4.125%
HK$103,790
baseline
▲ 0.50% · 4.625%
HK$110,106
+HK$6,316/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$207,580/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,652
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,566
−HK$2,956/mo
Today · 4.125%
HK$114,522
baseline
▲ 0.50% · 4.625%
HK$120,559
+HK$6,037/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$229,044/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,943
−HK$7,146/mo
▼ 0.25% · 3.875%
HK$117,488
−HK$3,601/mo
Today · 4.125%
HK$121,089
baseline
▲ 0.50% · 4.625%
HK$128,457
+HK$7,368/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$242,178/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,761
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,161
−HK$3,448/mo
Today · 4.125%
HK$133,609
baseline
▲ 0.50% · 4.625%
HK$140,652
+HK$7,043/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$267,218/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,499
−HK$9,186/mo
▼ 0.25% · 3.875%
HK$151,056
−HK$4,629/mo
Today · 4.125%
HK$155,685
baseline
▲ 0.50% · 4.625%
HK$165,159
+HK$9,474/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$311,370/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,978
−HK$8,806/mo
▼ 0.25% · 3.875%
HK$167,349
−HK$4,435/mo
Today · 4.125%
HK$171,784
baseline
▲ 0.50% · 4.625%
HK$180,839
+HK$9,055/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$343,568/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,934 · Scale 2, in force from 26 Feb 2026)