LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,374
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,874
−HK$2,540/mo
Today · 4.125%
HK$85,414
baseline
▲ 0.50% · 4.625%
HK$90,611
+HK$5,197/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$170,828/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,415
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,813
−HK$2,433/mo
Today · 4.125%
HK$94,246
baseline
▲ 0.50% · 4.625%
HK$99,214
+HK$4,968/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$188,492/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,449
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,449
−HK$3,048/mo
Today · 4.125%
HK$102,497
baseline
▲ 0.50% · 4.625%
HK$108,733
+HK$6,236/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$204,994/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,298
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,176
−HK$2,919/mo
Today · 4.125%
HK$113,095
baseline
▲ 0.50% · 4.625%
HK$119,056
+HK$5,961/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$226,190/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,523
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,023
−HK$3,556/mo
Today · 4.125%
HK$119,579
baseline
▲ 0.50% · 4.625%
HK$126,856
+HK$7,277/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$239,158/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,181
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,538
−HK$3,406/mo
Today · 4.125%
HK$131,944
baseline
▲ 0.50% · 4.625%
HK$138,899
+HK$6,955/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$263,888/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,673
−HK$9,072/mo
▼ 0.25% · 3.875%
HK$149,173
−HK$4,572/mo
Today · 4.125%
HK$153,745
baseline
▲ 0.50% · 4.625%
HK$163,100
+HK$9,355/mo
Deposit HK$3.52M · loan HK$31.72M · min. income ≈ HK$307,490/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,947
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$165,264
−HK$4,378/mo
Today · 4.125%
HK$169,642
baseline
▲ 0.50% · 4.625%
HK$178,585
+HK$8,943/mo
Deposit HK$3.52M · loan HK$31.72M · min. income ≈ HK$339,284/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,498,027 · Scale 2, in force from 26 Feb 2026)