LTV · monthly repayment
▼ 0.50% · 3.625%
HK$81,989
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,539
−HK$2,591/mo
Today · 4.125%
HK$87,130
baseline
▲ 0.50% · 4.625%
HK$92,432
+HK$5,302/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$174,260/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,212
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,658
−HK$2,481/mo
Today · 4.125%
HK$96,139
baseline
▲ 0.50% · 4.625%
HK$101,207
+HK$5,068/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$192,278/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,386
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,447
−HK$3,109/mo
Today · 4.125%
HK$104,556
baseline
▲ 0.50% · 4.625%
HK$110,918
+HK$6,362/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$209,112/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,528,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,454
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,389
−HK$2,978/mo
Today · 4.125%
HK$115,367
baseline
▲ 0.50% · 4.625%
HK$121,448
+HK$6,081/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$230,734/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,528,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,784
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$118,354
−HK$3,628/mo
Today · 4.125%
HK$121,982
baseline
▲ 0.50% · 4.625%
HK$129,404
+HK$7,422/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$243,964/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,528,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,696
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$131,121
−HK$3,474/mo
Today · 4.125%
HK$134,595
baseline
▲ 0.50% · 4.625%
HK$141,690
+HK$7,095/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$269,190/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,528,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,579
−HK$9,255/mo
▼ 0.25% · 3.875%
HK$152,170
−HK$4,664/mo
Today · 4.125%
HK$156,834
baseline
▲ 0.50% · 4.625%
HK$166,377
+HK$9,543/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$313,668/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,528,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,181
−HK$8,870/mo
▼ 0.25% · 3.875%
HK$168,584
−HK$4,467/mo
Today · 4.125%
HK$173,051
baseline
▲ 0.50% · 4.625%
HK$182,173
+HK$9,122/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$346,102/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,528,125 · Scale 2, in force from 26 Feb 2026)