LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,271
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,768
−HK$2,536/mo
Today · 4.125%
HK$85,304
baseline
▲ 0.50% · 4.625%
HK$90,495
+HK$5,191/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$170,608/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,300
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,695
−HK$2,430/mo
Today · 4.125%
HK$94,125
baseline
▲ 0.50% · 4.625%
HK$99,086
+HK$4,961/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$188,250/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,325
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,321
−HK$3,044/mo
Today · 4.125%
HK$102,365
baseline
▲ 0.50% · 4.625%
HK$108,594
+HK$6,229/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$204,730/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,160
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,034
−HK$2,916/mo
Today · 4.125%
HK$112,950
baseline
▲ 0.50% · 4.625%
HK$118,904
+HK$5,954/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$225,900/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,379
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$115,875
−HK$3,551/mo
Today · 4.125%
HK$119,426
baseline
▲ 0.50% · 4.625%
HK$126,693
+HK$7,267/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$238,852/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,021
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,374
−HK$3,401/mo
Today · 4.125%
HK$131,775
baseline
▲ 0.50% · 4.625%
HK$138,721
+HK$6,946/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$263,550/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,487
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$148,982
−HK$4,566/mo
Today · 4.125%
HK$153,548
baseline
▲ 0.50% · 4.625%
HK$162,891
+HK$9,343/mo
Deposit HK$3.52M · loan HK$31.68M · min. income ≈ HK$307,096/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,741
−HK$8,684/mo
▼ 0.25% · 3.875%
HK$165,052
−HK$4,373/mo
Today · 4.125%
HK$169,425
baseline
▲ 0.50% · 4.625%
HK$178,356
+HK$8,931/mo
Deposit HK$3.52M · loan HK$31.68M · min. income ≈ HK$338,850/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,107 · Scale 2, in force from 26 Feb 2026)