LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,502
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,006
−HK$2,545/mo
Today · 4.125%
HK$85,551
baseline
▲ 0.50% · 4.625%
HK$90,756
+HK$5,205/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,102/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,558
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,960
−HK$2,437/mo
Today · 4.125%
HK$94,397
baseline
▲ 0.50% · 4.625%
HK$99,372
+HK$4,975/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,794/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,603
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,608
−HK$3,053/mo
Today · 4.125%
HK$102,661
baseline
▲ 0.50% · 4.625%
HK$108,907
+HK$6,246/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$205,322/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,470
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,352
−HK$2,924/mo
Today · 4.125%
HK$113,276
baseline
▲ 0.50% · 4.625%
HK$119,247
+HK$5,971/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$226,552/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,703
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$116,209
−HK$3,562/mo
Today · 4.125%
HK$119,771
baseline
▲ 0.50% · 4.625%
HK$127,059
+HK$7,288/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$239,542/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,381
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,744
−HK$3,411/mo
Today · 4.125%
HK$132,155
baseline
▲ 0.50% · 4.625%
HK$139,121
+HK$6,966/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$264,310/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,904
−HK$9,087/mo
▼ 0.25% · 3.875%
HK$149,412
−HK$4,579/mo
Today · 4.125%
HK$153,991
baseline
▲ 0.50% · 4.625%
HK$163,361
+HK$9,370/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$307,982/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,205
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$165,528
−HK$4,386/mo
Today · 4.125%
HK$169,914
baseline
▲ 0.50% · 4.625%
HK$178,870
+HK$8,956/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$339,828/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,424 · Scale 2, in force from 26 Feb 2026)