LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,192
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,686
−HK$2,535/mo
Today · 4.125%
HK$85,221
baseline
▲ 0.50% · 4.625%
HK$90,406
+HK$5,185/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$170,442/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,213
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,605
−HK$2,428/mo
Today · 4.125%
HK$94,033
baseline
▲ 0.50% · 4.625%
HK$98,989
+HK$4,956/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$188,066/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,230
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,224
−HK$3,041/mo
Today · 4.125%
HK$102,265
baseline
▲ 0.50% · 4.625%
HK$108,487
+HK$6,222/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$204,530/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,055
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,926
−HK$2,913/mo
Today · 4.125%
HK$112,839
baseline
▲ 0.50% · 4.625%
HK$118,787
+HK$5,948/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$225,678/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,269
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$115,761
−HK$3,548/mo
Today · 4.125%
HK$119,309
baseline
▲ 0.50% · 4.625%
HK$126,569
+HK$7,260/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$238,618/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,494,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,898
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,248
−HK$3,398/mo
Today · 4.125%
HK$131,646
baseline
▲ 0.50% · 4.625%
HK$138,585
+HK$6,939/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$263,292/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,494,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,346
−HK$9,051/mo
▼ 0.25% · 3.875%
HK$148,835
−HK$4,562/mo
Today · 4.125%
HK$153,397
baseline
▲ 0.50% · 4.625%
HK$162,731
+HK$9,334/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$306,794/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,583
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$164,890
−HK$4,369/mo
Today · 4.125%
HK$169,259
baseline
▲ 0.50% · 4.625%
HK$178,181
+HK$8,922/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$338,518/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,639 · Scale 2, in force from 26 Feb 2026)