LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,420
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,921
−HK$2,542/mo
Today · 4.125%
HK$85,463
baseline
▲ 0.50% · 4.625%
HK$90,663
+HK$5,200/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$170,926/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,466
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,865
−HK$2,435/mo
Today · 4.125%
HK$94,300
baseline
▲ 0.50% · 4.625%
HK$99,270
+HK$4,970/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$188,600/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,504
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,505
−HK$3,050/mo
Today · 4.125%
HK$102,555
baseline
▲ 0.50% · 4.625%
HK$108,795
+HK$6,240/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$205,110/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,498,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,359
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,239
−HK$2,921/mo
Today · 4.125%
HK$113,160
baseline
▲ 0.50% · 4.625%
HK$119,124
+HK$5,964/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$226,320/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,498,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,588
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,090
−HK$3,558/mo
Today · 4.125%
HK$119,648
baseline
▲ 0.50% · 4.625%
HK$126,928
+HK$7,280/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$239,296/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,252
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,612
−HK$3,407/mo
Today · 4.125%
HK$132,019
baseline
▲ 0.50% · 4.625%
HK$138,978
+HK$6,959/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$264,038/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,755
−HK$9,078/mo
▼ 0.25% · 3.875%
HK$149,258
−HK$4,575/mo
Today · 4.125%
HK$153,833
baseline
▲ 0.50% · 4.625%
HK$163,193
+HK$9,360/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$307,666/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,039
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$165,358
−HK$4,381/mo
Today · 4.125%
HK$169,739
baseline
▲ 0.50% · 4.625%
HK$178,687
+HK$8,948/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$339,478/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,882 · Scale 2, in force from 26 Feb 2026)