LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,180
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,674
−HK$2,534/mo
Today · 4.125%
HK$85,208
baseline
▲ 0.50% · 4.625%
HK$90,393
+HK$5,185/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$170,416/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,199
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,592
−HK$2,427/mo
Today · 4.125%
HK$94,019
baseline
▲ 0.50% · 4.625%
HK$98,974
+HK$4,955/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$188,038/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,216
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$99,209
−HK$3,041/mo
Today · 4.125%
HK$102,250
baseline
▲ 0.50% · 4.625%
HK$108,471
+HK$6,221/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$204,500/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,039
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,910
−HK$2,912/mo
Today · 4.125%
HK$112,822
baseline
▲ 0.50% · 4.625%
HK$118,769
+HK$5,947/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$225,644/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,252
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$115,744
−HK$3,547/mo
Today · 4.125%
HK$119,291
baseline
▲ 0.50% · 4.625%
HK$126,550
+HK$7,259/mo
Deposit HK$10.55M · loan HK$24.61M · min. income ≈ HK$238,582/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,494,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,879
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$128,228
−HK$3,398/mo
Today · 4.125%
HK$131,626
baseline
▲ 0.50% · 4.625%
HK$138,564
+HK$6,938/mo
Deposit HK$10.55M · loan HK$24.61M · min. income ≈ HK$263,252/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,494,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,324
−HK$9,050/mo
▼ 0.25% · 3.875%
HK$148,813
−HK$4,561/mo
Today · 4.125%
HK$153,374
baseline
▲ 0.50% · 4.625%
HK$162,707
+HK$9,333/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$306,748/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,559
−HK$8,674/mo
▼ 0.25% · 3.875%
HK$164,865
−HK$4,368/mo
Today · 4.125%
HK$169,233
baseline
▲ 0.50% · 4.625%
HK$178,154
+HK$8,921/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$338,466/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,414 · Scale 2, in force from 26 Feb 2026)