LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,889
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,437
−HK$2,588/mo
Today · 4.125%
HK$87,025
baseline
▲ 0.50% · 4.625%
HK$92,320
+HK$5,295/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,050/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,101
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,544
−HK$2,479/mo
Today · 4.125%
HK$96,023
baseline
▲ 0.50% · 4.625%
HK$101,085
+HK$5,062/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,046/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,267
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,324
−HK$3,106/mo
Today · 4.125%
HK$104,430
baseline
▲ 0.50% · 4.625%
HK$110,784
+HK$6,354/mo
Deposit HK$14.36M · loan HK$21.55M · min. income ≈ HK$208,860/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,321
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,253
−HK$2,975/mo
Today · 4.125%
HK$115,228
baseline
▲ 0.50% · 4.625%
HK$121,301
+HK$6,073/mo
Deposit HK$14.36M · loan HK$21.55M · min. income ≈ HK$230,456/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,645
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$118,211
−HK$3,623/mo
Today · 4.125%
HK$121,834
baseline
▲ 0.50% · 4.625%
HK$129,248
+HK$7,414/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$243,668/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,542
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,962
−HK$3,470/mo
Today · 4.125%
HK$134,432
baseline
▲ 0.50% · 4.625%
HK$141,518
+HK$7,086/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$268,864/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,401
−HK$9,243/mo
▼ 0.25% · 3.875%
HK$151,986
−HK$4,658/mo
Today · 4.125%
HK$156,644
baseline
▲ 0.50% · 4.625%
HK$166,176
+HK$9,532/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$313,288/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,982
−HK$8,860/mo
▼ 0.25% · 3.875%
HK$168,380
−HK$4,462/mo
Today · 4.125%
HK$172,842
baseline
▲ 0.50% · 4.625%
HK$181,952
+HK$9,110/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$345,684/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,276 · Scale 2, in force from 26 Feb 2026)