LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,385
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,885
−HK$2,540/mo
Today · 4.125%
HK$85,425
baseline
▲ 0.50% · 4.625%
HK$90,623
+HK$5,198/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$170,850/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,498,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,427
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,825
−HK$2,433/mo
Today · 4.125%
HK$94,258
baseline
▲ 0.50% · 4.625%
HK$99,227
+HK$4,969/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$188,516/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,498,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,461
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,462
−HK$3,048/mo
Today · 4.125%
HK$102,510
baseline
▲ 0.50% · 4.625%
HK$108,748
+HK$6,238/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$205,020/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,312
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,190
−HK$2,920/mo
Today · 4.125%
HK$113,110
baseline
▲ 0.50% · 4.625%
HK$119,072
+HK$5,962/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$226,220/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,538
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,039
−HK$3,556/mo
Today · 4.125%
HK$119,595
baseline
▲ 0.50% · 4.625%
HK$126,873
+HK$7,278/mo
Deposit HK$10.58M · loan HK$24.68M · min. income ≈ HK$239,190/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,498,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,198
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,556
−HK$3,406/mo
Today · 4.125%
HK$131,962
baseline
▲ 0.50% · 4.625%
HK$138,918
+HK$6,956/mo
Deposit HK$10.58M · loan HK$24.68M · min. income ≈ HK$263,924/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,498,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,692
−HK$9,074/mo
▼ 0.25% · 3.875%
HK$149,193
−HK$4,573/mo
Today · 4.125%
HK$153,766
baseline
▲ 0.50% · 4.625%
HK$163,122
+HK$9,356/mo
Deposit HK$3.53M · loan HK$31.73M · min. income ≈ HK$307,532/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,498,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,969
−HK$8,696/mo
▼ 0.25% · 3.875%
HK$165,286
−HK$4,379/mo
Today · 4.125%
HK$169,665
baseline
▲ 0.50% · 4.625%
HK$178,608
+HK$8,943/mo
Deposit HK$3.53M · loan HK$31.73M · min. income ≈ HK$339,330/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,498,228 · Scale 2, in force from 26 Feb 2026)