LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,803
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,348
−HK$2,585/mo
Today · 4.125%
HK$86,933
baseline
▲ 0.50% · 4.625%
HK$92,223
+HK$5,290/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$173,866/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,005
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,446
−HK$2,476/mo
Today · 4.125%
HK$95,922
baseline
▲ 0.50% · 4.625%
HK$100,978
+HK$5,056/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$191,844/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,164
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,217
−HK$3,102/mo
Today · 4.125%
HK$104,319
baseline
▲ 0.50% · 4.625%
HK$110,667
+HK$6,348/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$208,638/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,206
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,135
−HK$2,971/mo
Today · 4.125%
HK$115,106
baseline
▲ 0.50% · 4.625%
HK$121,174
+HK$6,068/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$230,212/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,524
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,087
−HK$3,619/mo
Today · 4.125%
HK$121,706
baseline
▲ 0.50% · 4.625%
HK$129,112
+HK$7,406/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$243,412/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,407
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$130,824
−HK$3,467/mo
Today · 4.125%
HK$134,291
baseline
▲ 0.50% · 4.625%
HK$141,369
+HK$7,078/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$268,582/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,246
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$151,826
−HK$4,653/mo
Today · 4.125%
HK$156,479
baseline
▲ 0.50% · 4.625%
HK$166,001
+HK$9,522/mo
Deposit HK$3.59M · loan HK$32.29M · min. income ≈ HK$312,958/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,809
−HK$8,850/mo
▼ 0.25% · 3.875%
HK$168,202
−HK$4,457/mo
Today · 4.125%
HK$172,659
baseline
▲ 0.50% · 4.625%
HK$181,760
+HK$9,101/mo
Deposit HK$3.59M · loan HK$32.29M · min. income ≈ HK$345,318/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,667 · Scale 2, in force from 26 Feb 2026)