LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,898
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,446
−HK$2,588/mo
Today · 4.125%
HK$87,034
baseline
▲ 0.50% · 4.625%
HK$92,330
+HK$5,296/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,068/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,111
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,555
−HK$2,478/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$1,526,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,278
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,335
−HK$3,106/mo
Today · 4.125%
HK$104,441
baseline
▲ 0.50% · 4.625%
HK$110,796
+HK$6,355/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$208,882/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,333
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,265
−HK$2,975/mo
Today · 4.125%
HK$115,240
baseline
▲ 0.50% · 4.625%
HK$121,315
+HK$6,075/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$230,480/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,658
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,224
−HK$3,624/mo
Today · 4.125%
HK$121,848
baseline
▲ 0.50% · 4.625%
HK$129,262
+HK$7,414/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$243,696/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,555
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,976
−HK$3,471/mo
Today · 4.125%
HK$134,447
baseline
▲ 0.50% · 4.625%
HK$141,534
+HK$7,087/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$268,894/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,417
−HK$9,244/mo
▼ 0.25% · 3.875%
HK$152,002
−HK$4,659/mo
Today · 4.125%
HK$156,661
baseline
▲ 0.50% · 4.625%
HK$166,194
+HK$9,533/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$313,322/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,000
−HK$8,860/mo
▼ 0.25% · 3.875%
HK$168,398
−HK$4,462/mo
Today · 4.125%
HK$172,860
baseline
▲ 0.50% · 4.625%
HK$181,972
+HK$9,112/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$345,720/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,441 · Scale 2, in force from 26 Feb 2026)