LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,296
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,794
−HK$2,537/mo
Today · 4.125%
HK$85,331
baseline
▲ 0.50% · 4.625%
HK$90,524
+HK$5,193/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$170,662/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,329
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,724
−HK$2,431/mo
Today · 4.125%
HK$94,155
baseline
▲ 0.50% · 4.625%
HK$99,118
+HK$4,963/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$188,310/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,355
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$99,353
−HK$3,045/mo
Today · 4.125%
HK$102,398
baseline
▲ 0.50% · 4.625%
HK$108,628
+HK$6,230/mo
Deposit HK$14.09M · loan HK$21.13M · min. income ≈ HK$204,796/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,194
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,069
−HK$2,917/mo
Today · 4.125%
HK$112,986
baseline
▲ 0.50% · 4.625%
HK$118,941
+HK$5,955/mo
Deposit HK$14.09M · loan HK$21.13M · min. income ≈ HK$225,972/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,415
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,911
−HK$3,553/mo
Today · 4.125%
HK$119,464
baseline
▲ 0.50% · 4.625%
HK$126,733
+HK$7,269/mo
Deposit HK$10.56M · loan HK$24.65M · min. income ≈ HK$238,928/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,060
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,414
−HK$3,403/mo
Today · 4.125%
HK$131,817
baseline
▲ 0.50% · 4.625%
HK$138,765
+HK$6,948/mo
Deposit HK$10.56M · loan HK$24.65M · min. income ≈ HK$263,634/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,533
−HK$9,064/mo
▼ 0.25% · 3.875%
HK$149,029
−HK$4,568/mo
Today · 4.125%
HK$153,597
baseline
▲ 0.50% · 4.625%
HK$162,943
+HK$9,346/mo
Deposit HK$3.52M · loan HK$31.69M · min. income ≈ HK$307,194/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,792
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$165,104
−HK$4,375/mo
Today · 4.125%
HK$169,479
baseline
▲ 0.50% · 4.625%
HK$178,412
+HK$8,933/mo
Deposit HK$3.52M · loan HK$31.69M · min. income ≈ HK$338,958/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,580 · Scale 2, in force from 26 Feb 2026)