LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,260
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,757
−HK$2,536/mo
Today · 4.125%
HK$85,293
baseline
▲ 0.50% · 4.625%
HK$90,483
+HK$5,190/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$170,586/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,495,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,289
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,683
−HK$2,430/mo
Today · 4.125%
HK$94,113
baseline
▲ 0.50% · 4.625%
HK$99,074
+HK$4,961/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$188,226/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,495,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,312
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,308
−HK$3,044/mo
Today · 4.125%
HK$102,352
baseline
▲ 0.50% · 4.625%
HK$108,580
+HK$6,228/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$204,704/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,495,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,147
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$110,020
−HK$2,915/mo
Today · 4.125%
HK$112,935
baseline
▲ 0.50% · 4.625%
HK$118,888
+HK$5,953/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$225,870/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,495,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,364
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$115,860
−HK$3,551/mo
Today · 4.125%
HK$119,411
baseline
▲ 0.50% · 4.625%
HK$126,676
+HK$7,265/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$238,822/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,495,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,004
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,357
−HK$3,401/mo
Today · 4.125%
HK$131,758
baseline
▲ 0.50% · 4.625%
HK$138,703
+HK$6,945/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$263,516/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,495,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,469
−HK$9,059/mo
▼ 0.25% · 3.875%
HK$148,962
−HK$4,566/mo
Today · 4.125%
HK$153,528
baseline
▲ 0.50% · 4.625%
HK$162,870
+HK$9,342/mo
Deposit HK$3.52M · loan HK$31.68M · min. income ≈ HK$307,056/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,495,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,720
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$165,030
−HK$4,373/mo
Today · 4.125%
HK$169,403
baseline
▲ 0.50% · 4.625%
HK$178,332
+HK$8,929/mo
Deposit HK$3.52M · loan HK$31.68M · min. income ≈ HK$338,806/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,495,912 · Scale 2, in force from 26 Feb 2026)