LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,315
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,813
−HK$2,538/mo
Today · 4.125%
HK$85,351
baseline
▲ 0.50% · 4.625%
HK$90,545
+HK$5,194/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$170,702/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,496,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,349
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,746
−HK$2,431/mo
Today · 4.125%
HK$94,177
baseline
▲ 0.50% · 4.625%
HK$99,141
+HK$4,964/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$188,354/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,496,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,378
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,376
−HK$3,046/mo
Today · 4.125%
HK$102,422
baseline
▲ 0.50% · 4.625%
HK$108,654
+HK$6,232/mo
Deposit HK$14.09M · loan HK$21.13M · min. income ≈ HK$204,844/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,496,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,219
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,095
−HK$2,917/mo
Today · 4.125%
HK$113,012
baseline
▲ 0.50% · 4.625%
HK$118,969
+HK$5,957/mo
Deposit HK$14.09M · loan HK$21.13M · min. income ≈ HK$226,024/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,496,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,441
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,938
−HK$3,554/mo
Today · 4.125%
HK$119,492
baseline
▲ 0.50% · 4.625%
HK$126,763
+HK$7,271/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$238,984/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,089
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,444
−HK$3,403/mo
Today · 4.125%
HK$131,847
baseline
▲ 0.50% · 4.625%
HK$138,797
+HK$6,950/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$263,694/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,567
−HK$9,065/mo
▼ 0.25% · 3.875%
HK$149,064
−HK$4,568/mo
Today · 4.125%
HK$153,632
baseline
▲ 0.50% · 4.625%
HK$162,980
+HK$9,348/mo
Deposit HK$3.52M · loan HK$31.70M · min. income ≈ HK$307,264/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,829
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$165,142
−HK$4,376/mo
Today · 4.125%
HK$169,518
baseline
▲ 0.50% · 4.625%
HK$178,454
+HK$8,936/mo
Deposit HK$3.52M · loan HK$31.70M · min. income ≈ HK$339,036/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,929 · Scale 2, in force from 26 Feb 2026)