LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,728
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,270
−HK$2,583/mo
Today · 4.125%
HK$86,853
baseline
▲ 0.50% · 4.625%
HK$92,137
+HK$5,284/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$173,706/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,523,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,921
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,360
−HK$2,473/mo
Today · 4.125%
HK$95,833
baseline
▲ 0.50% · 4.625%
HK$100,885
+HK$5,052/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$191,666/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,523,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,073
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,124
−HK$3,099/mo
Today · 4.125%
HK$104,223
baseline
▲ 0.50% · 4.625%
HK$110,565
+HK$6,342/mo
Deposit HK$14.34M · loan HK$21.50M · min. income ≈ HK$208,446/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,105
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,032
−HK$2,968/mo
Today · 4.125%
HK$115,000
baseline
▲ 0.50% · 4.625%
HK$121,062
+HK$6,062/mo
Deposit HK$14.34M · loan HK$21.50M · min. income ≈ HK$230,000/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,419
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$117,978
−HK$3,616/mo
Today · 4.125%
HK$121,594
baseline
▲ 0.50% · 4.625%
HK$128,992
+HK$7,398/mo
Deposit HK$10.75M · loan HK$25.09M · min. income ≈ HK$243,188/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,290
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$130,704
−HK$3,463/mo
Today · 4.125%
HK$134,167
baseline
▲ 0.50% · 4.625%
HK$141,239
+HK$7,072/mo
Deposit HK$10.75M · loan HK$25.09M · min. income ≈ HK$268,334/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,110
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$151,686
−HK$4,649/mo
Today · 4.125%
HK$156,335
baseline
▲ 0.50% · 4.625%
HK$165,847
+HK$9,512/mo
Deposit HK$3.58M · loan HK$32.26M · min. income ≈ HK$312,670/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,658
−HK$8,842/mo
▼ 0.25% · 3.875%
HK$168,047
−HK$4,453/mo
Today · 4.125%
HK$172,500
baseline
▲ 0.50% · 4.625%
HK$181,593
+HK$9,093/mo
Deposit HK$3.58M · loan HK$32.26M · min. income ≈ HK$345,000/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,261 · Scale 2, in force from 26 Feb 2026)