LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,300
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,798
−HK$2,538/mo
Today · 4.125%
HK$85,336
baseline
▲ 0.50% · 4.625%
HK$90,528
+HK$5,192/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$170,672/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,333
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,729
−HK$2,431/mo
Today · 4.125%
HK$94,160
baseline
▲ 0.50% · 4.625%
HK$99,123
+HK$4,963/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$188,320/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,361
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,358
−HK$3,045/mo
Today · 4.125%
HK$102,403
baseline
▲ 0.50% · 4.625%
HK$108,634
+HK$6,231/mo
Deposit HK$14.09M · loan HK$21.13M · min. income ≈ HK$204,806/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,200
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,075
−HK$2,917/mo
Today · 4.125%
HK$112,992
baseline
▲ 0.50% · 4.625%
HK$118,948
+HK$5,956/mo
Deposit HK$14.09M · loan HK$21.13M · min. income ≈ HK$225,984/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,421
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,918
−HK$3,552/mo
Today · 4.125%
HK$119,470
baseline
▲ 0.50% · 4.625%
HK$126,740
+HK$7,270/mo
Deposit HK$10.56M · loan HK$24.65M · min. income ≈ HK$238,940/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,067
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,421
−HK$3,403/mo
Today · 4.125%
HK$131,824
baseline
▲ 0.50% · 4.625%
HK$138,772
+HK$6,948/mo
Deposit HK$10.56M · loan HK$24.65M · min. income ≈ HK$263,648/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,541
−HK$9,064/mo
▼ 0.25% · 3.875%
HK$149,037
−HK$4,568/mo
Today · 4.125%
HK$153,605
baseline
▲ 0.50% · 4.625%
HK$162,951
+HK$9,346/mo
Deposit HK$3.52M · loan HK$31.69M · min. income ≈ HK$307,210/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,800
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$165,113
−HK$4,375/mo
Today · 4.125%
HK$169,488
baseline
▲ 0.50% · 4.625%
HK$178,422
+HK$8,934/mo
Deposit HK$3.52M · loan HK$31.69M · min. income ≈ HK$338,976/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,661 · Scale 2, in force from 26 Feb 2026)