LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,800
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,345
−HK$2,585/mo
Today · 4.125%
HK$86,930
baseline
▲ 0.50% · 4.625%
HK$92,219
+HK$5,289/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$173,860/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,002
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,443
−HK$2,476/mo
Today · 4.125%
HK$95,919
baseline
▲ 0.50% · 4.625%
HK$100,975
+HK$5,056/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$191,838/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,160
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,214
−HK$3,102/mo
Today · 4.125%
HK$104,316
baseline
▲ 0.50% · 4.625%
HK$110,663
+HK$6,347/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$208,632/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,202
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,131
−HK$2,971/mo
Today · 4.125%
HK$115,102
baseline
▲ 0.50% · 4.625%
HK$121,169
+HK$6,067/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$230,204/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,520
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,083
−HK$3,619/mo
Today · 4.125%
HK$121,702
baseline
▲ 0.50% · 4.625%
HK$129,107
+HK$7,405/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$243,404/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,403
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,820
−HK$3,466/mo
Today · 4.125%
HK$134,286
baseline
▲ 0.50% · 4.625%
HK$141,364
+HK$7,078/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$268,572/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,241
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$151,821
−HK$4,653/mo
Today · 4.125%
HK$156,474
baseline
▲ 0.50% · 4.625%
HK$165,995
+HK$9,521/mo
Deposit HK$3.59M · loan HK$32.29M · min. income ≈ HK$312,948/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,804
−HK$8,849/mo
▼ 0.25% · 3.875%
HK$168,197
−HK$4,456/mo
Today · 4.125%
HK$172,653
baseline
▲ 0.50% · 4.625%
HK$181,754
+HK$9,101/mo
Deposit HK$3.59M · loan HK$32.29M · min. income ≈ HK$345,306/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,615 · Scale 2, in force from 26 Feb 2026)