LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,768
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,311
−HK$2,584/mo
Today · 4.125%
HK$86,895
baseline
▲ 0.50% · 4.625%
HK$92,183
+HK$5,288/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,790/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,524,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,966
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,405
−HK$2,475/mo
Today · 4.125%
HK$95,880
baseline
▲ 0.50% · 4.625%
HK$100,934
+HK$5,054/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,760/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,524,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,121
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,173
−HK$3,101/mo
Today · 4.125%
HK$104,274
baseline
▲ 0.50% · 4.625%
HK$110,619
+HK$6,345/mo
Deposit HK$14.34M · loan HK$21.52M · min. income ≈ HK$208,548/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,159
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,087
−HK$2,969/mo
Today · 4.125%
HK$115,056
baseline
▲ 0.50% · 4.625%
HK$121,121
+HK$6,065/mo
Deposit HK$14.34M · loan HK$21.52M · min. income ≈ HK$230,112/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,475
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,036
−HK$3,617/mo
Today · 4.125%
HK$121,653
baseline
▲ 0.50% · 4.625%
HK$129,056
+HK$7,403/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$243,306/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,524,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,352
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$130,768
−HK$3,465/mo
Today · 4.125%
HK$134,233
baseline
▲ 0.50% · 4.625%
HK$141,308
+HK$7,075/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$268,466/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,524,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,182
−HK$9,230/mo
▼ 0.25% · 3.875%
HK$151,760
−HK$4,652/mo
Today · 4.125%
HK$156,412
baseline
▲ 0.50% · 4.625%
HK$165,929
+HK$9,517/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$312,824/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,738
−HK$8,847/mo
▼ 0.25% · 3.875%
HK$168,130
−HK$4,455/mo
Today · 4.125%
HK$172,585
baseline
▲ 0.50% · 4.625%
HK$181,682
+HK$9,097/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$345,170/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,008 · Scale 2, in force from 26 Feb 2026)