LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,160
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,654
−HK$2,533/mo
Today · 4.125%
HK$85,187
baseline
▲ 0.50% · 4.625%
HK$90,370
+HK$5,183/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$170,374/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,494,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,177
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,569
−HK$2,426/mo
Today · 4.125%
HK$93,995
baseline
▲ 0.50% · 4.625%
HK$98,950
+HK$4,955/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$187,990/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,494,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,192
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,184
−HK$3,040/mo
Today · 4.125%
HK$102,224
baseline
▲ 0.50% · 4.625%
HK$108,444
+HK$6,220/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$204,448/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,013
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,883
−HK$2,911/mo
Today · 4.125%
HK$112,794
baseline
▲ 0.50% · 4.625%
HK$118,740
+HK$5,946/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$225,588/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,224
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$115,715
−HK$3,547/mo
Today · 4.125%
HK$119,262
baseline
▲ 0.50% · 4.625%
HK$126,518
+HK$7,256/mo
Deposit HK$10.55M · loan HK$24.61M · min. income ≈ HK$238,524/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,494,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,848
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$128,197
−HK$3,397/mo
Today · 4.125%
HK$131,594
baseline
▲ 0.50% · 4.625%
HK$138,530
+HK$6,936/mo
Deposit HK$10.55M · loan HK$24.61M · min. income ≈ HK$263,188/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,494,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,288
−HK$9,048/mo
▼ 0.25% · 3.875%
HK$148,777
−HK$4,559/mo
Today · 4.125%
HK$153,336
baseline
▲ 0.50% · 4.625%
HK$162,667
+HK$9,331/mo
Deposit HK$3.52M · loan HK$31.64M · min. income ≈ HK$306,672/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,519
−HK$8,673/mo
▼ 0.25% · 3.875%
HK$164,824
−HK$4,368/mo
Today · 4.125%
HK$169,192
baseline
▲ 0.50% · 4.625%
HK$178,110
+HK$8,918/mo
Deposit HK$3.52M · loan HK$31.64M · min. income ≈ HK$338,384/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,046 · Scale 2, in force from 26 Feb 2026)