LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,486
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,989
−HK$2,544/mo
Today · 4.125%
HK$85,533
baseline
▲ 0.50% · 4.625%
HK$90,737
+HK$5,204/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,066/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,539
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,941
−HK$2,436/mo
Today · 4.125%
HK$94,377
baseline
▲ 0.50% · 4.625%
HK$99,352
+HK$4,975/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,754/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,583
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,587
−HK$3,052/mo
Today · 4.125%
HK$102,639
baseline
▲ 0.50% · 4.625%
HK$108,885
+HK$6,246/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$205,278/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,447
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,329
−HK$2,923/mo
Today · 4.125%
HK$113,252
baseline
▲ 0.50% · 4.625%
HK$119,222
+HK$5,970/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$226,504/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,680
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,185
−HK$3,561/mo
Today · 4.125%
HK$119,746
baseline
▲ 0.50% · 4.625%
HK$127,032
+HK$7,286/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$239,492/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,355
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$128,717
−HK$3,411/mo
Today · 4.125%
HK$132,128
baseline
▲ 0.50% · 4.625%
HK$139,092
+HK$6,964/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$264,256/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,874
−HK$9,085/mo
▼ 0.25% · 3.875%
HK$149,381
−HK$4,578/mo
Today · 4.125%
HK$153,959
baseline
▲ 0.50% · 4.625%
HK$163,327
+HK$9,368/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$307,918/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,171
−HK$8,708/mo
▼ 0.25% · 3.875%
HK$165,494
−HK$4,385/mo
Today · 4.125%
HK$169,879
baseline
▲ 0.50% · 4.625%
HK$178,833
+HK$8,954/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$339,758/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,112 · Scale 2, in force from 26 Feb 2026)