LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,924
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,473
−HK$2,589/mo
Today · 4.125%
HK$87,062
baseline
▲ 0.50% · 4.625%
HK$92,359
+HK$5,297/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,124/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,140
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,584
−HK$2,480/mo
Today · 4.125%
HK$96,064
baseline
▲ 0.50% · 4.625%
HK$101,128
+HK$5,064/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,128/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,309
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,367
−HK$3,107/mo
Today · 4.125%
HK$104,474
baseline
▲ 0.50% · 4.625%
HK$110,831
+HK$6,357/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$208,948/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,368
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,301
−HK$2,976/mo
Today · 4.125%
HK$115,277
baseline
▲ 0.50% · 4.625%
HK$121,353
+HK$6,076/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$230,554/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,694
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,262
−HK$3,624/mo
Today · 4.125%
HK$121,886
baseline
▲ 0.50% · 4.625%
HK$129,303
+HK$7,417/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$243,772/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,526,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,596
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,018
−HK$3,472/mo
Today · 4.125%
HK$134,490
baseline
▲ 0.50% · 4.625%
HK$141,579
+HK$7,089/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$268,980/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,526,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,464
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$152,051
−HK$4,660/mo
Today · 4.125%
HK$156,711
baseline
▲ 0.50% · 4.625%
HK$166,247
+HK$9,536/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$313,422/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,052
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$168,452
−HK$4,463/mo
Today · 4.125%
HK$172,915
baseline
▲ 0.50% · 4.625%
HK$182,030
+HK$9,115/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$345,830/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,927 · Scale 2, in force from 26 Feb 2026)