LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,898
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,445
−HK$2,588/mo
Today · 4.125%
HK$87,033
baseline
▲ 0.50% · 4.625%
HK$92,329
+HK$5,296/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,066/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,110
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,554
−HK$2,479/mo
Today · 4.125%
HK$96,033
baseline
▲ 0.50% · 4.625%
HK$101,095
+HK$5,062/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,066/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,277
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,334
−HK$3,106/mo
Today · 4.125%
HK$104,440
baseline
▲ 0.50% · 4.625%
HK$110,795
+HK$6,355/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$208,880/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,332
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,265
−HK$2,974/mo
Today · 4.125%
HK$115,239
baseline
▲ 0.50% · 4.625%
HK$121,314
+HK$6,075/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$230,478/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,657
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,223
−HK$3,624/mo
Today · 4.125%
HK$121,847
baseline
▲ 0.50% · 4.625%
HK$129,261
+HK$7,414/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$243,694/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,554
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,975
−HK$3,471/mo
Today · 4.125%
HK$134,446
baseline
▲ 0.50% · 4.625%
HK$141,533
+HK$7,087/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$268,892/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,416
−HK$9,244/mo
▼ 0.25% · 3.875%
HK$152,001
−HK$4,659/mo
Today · 4.125%
HK$156,660
baseline
▲ 0.50% · 4.625%
HK$166,192
+HK$9,532/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$313,320/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,999
−HK$8,860/mo
▼ 0.25% · 3.875%
HK$168,397
−HK$4,462/mo
Today · 4.125%
HK$172,859
baseline
▲ 0.50% · 4.625%
HK$181,971
+HK$9,112/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$345,718/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,430 · Scale 2, in force from 26 Feb 2026)