LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,492
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$82,996
−HK$2,544/mo
Today · 4.125%
HK$85,540
baseline
▲ 0.50% · 4.625%
HK$90,745
+HK$5,205/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,080/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,547
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,949
−HK$2,436/mo
Today · 4.125%
HK$94,385
baseline
▲ 0.50% · 4.625%
HK$99,360
+HK$4,975/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,770/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,591
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,595
−HK$3,053/mo
Today · 4.125%
HK$102,648
baseline
▲ 0.50% · 4.625%
HK$108,894
+HK$6,246/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$205,296/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,456
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,338
−HK$2,924/mo
Today · 4.125%
HK$113,262
baseline
▲ 0.50% · 4.625%
HK$119,232
+HK$5,970/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$226,524/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,689
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,195
−HK$3,561/mo
Today · 4.125%
HK$119,756
baseline
▲ 0.50% · 4.625%
HK$127,043
+HK$7,287/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$239,512/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,366
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$128,728
−HK$3,411/mo
Today · 4.125%
HK$132,139
baseline
▲ 0.50% · 4.625%
HK$139,104
+HK$6,965/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$264,278/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,886
−HK$9,086/mo
▼ 0.25% · 3.875%
HK$149,393
−HK$4,579/mo
Today · 4.125%
HK$153,972
baseline
▲ 0.50% · 4.625%
HK$163,341
+HK$9,369/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$307,944/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,185
−HK$8,708/mo
▼ 0.25% · 3.875%
HK$165,508
−HK$4,385/mo
Today · 4.125%
HK$169,893
baseline
▲ 0.50% · 4.625%
HK$178,848
+HK$8,955/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$339,786/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,240 · Scale 2, in force from 26 Feb 2026)