LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,895
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,443
−HK$2,588/mo
Today · 4.125%
HK$87,031
baseline
▲ 0.50% · 4.625%
HK$92,326
+HK$5,295/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,062/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,108
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,551
−HK$2,479/mo
Today · 4.125%
HK$96,030
baseline
▲ 0.50% · 4.625%
HK$101,092
+HK$5,062/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,060/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,274
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,331
−HK$3,106/mo
Today · 4.125%
HK$104,437
baseline
▲ 0.50% · 4.625%
HK$110,792
+HK$6,355/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$208,874/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,329
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,261
−HK$2,975/mo
Today · 4.125%
HK$115,236
baseline
▲ 0.50% · 4.625%
HK$121,310
+HK$6,074/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$230,472/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,653
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,220
−HK$3,623/mo
Today · 4.125%
HK$121,843
baseline
▲ 0.50% · 4.625%
HK$129,257
+HK$7,414/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$243,686/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,551
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$130,971
−HK$3,471/mo
Today · 4.125%
HK$134,442
baseline
▲ 0.50% · 4.625%
HK$141,528
+HK$7,086/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$268,884/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,411
−HK$9,244/mo
▼ 0.25% · 3.875%
HK$151,997
−HK$4,658/mo
Today · 4.125%
HK$156,655
baseline
▲ 0.50% · 4.625%
HK$166,187
+HK$9,532/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$313,310/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,994
−HK$8,860/mo
▼ 0.25% · 3.875%
HK$168,392
−HK$4,462/mo
Today · 4.125%
HK$172,854
baseline
▲ 0.50% · 4.625%
HK$181,965
+HK$9,111/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$345,708/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,384 · Scale 2, in force from 26 Feb 2026)