LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,372
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,872
−HK$2,540/mo
Today · 4.125%
HK$85,412
baseline
▲ 0.50% · 4.625%
HK$90,609
+HK$5,197/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$170,824/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,497,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,413
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,811
−HK$2,433/mo
Today · 4.125%
HK$94,244
baseline
▲ 0.50% · 4.625%
HK$99,212
+HK$4,968/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$188,488/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,497,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,447
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,447
−HK$3,048/mo
Today · 4.125%
HK$102,495
baseline
▲ 0.50% · 4.625%
HK$108,731
+HK$6,236/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$204,990/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,497,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,296
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,173
−HK$2,920/mo
Today · 4.125%
HK$113,093
baseline
▲ 0.50% · 4.625%
HK$119,054
+HK$5,961/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$226,186/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,497,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,521
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,021
−HK$3,556/mo
Today · 4.125%
HK$119,577
baseline
▲ 0.50% · 4.625%
HK$126,853
+HK$7,276/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$239,154/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,179
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,536
−HK$3,406/mo
Today · 4.125%
HK$131,942
baseline
▲ 0.50% · 4.625%
HK$138,896
+HK$6,954/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$263,884/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,670
−HK$9,072/mo
▼ 0.25% · 3.875%
HK$149,170
−HK$4,572/mo
Today · 4.125%
HK$153,742
baseline
▲ 0.50% · 4.625%
HK$163,097
+HK$9,355/mo
Deposit HK$3.52M · loan HK$31.72M · min. income ≈ HK$307,484/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,944
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$165,260
−HK$4,379/mo
Today · 4.125%
HK$169,639
baseline
▲ 0.50% · 4.625%
HK$178,581
+HK$8,942/mo
Deposit HK$3.52M · loan HK$31.72M · min. income ≈ HK$339,278/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,997 · Scale 2, in force from 26 Feb 2026)