LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,511
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,015
−HK$2,545/mo
Today · 4.125%
HK$85,560
baseline
▲ 0.50% · 4.625%
HK$90,766
+HK$5,206/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,120/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,568
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,970
−HK$2,437/mo
Today · 4.125%
HK$94,407
baseline
▲ 0.50% · 4.625%
HK$99,383
+HK$4,976/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,814/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,613
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,618
−HK$3,054/mo
Today · 4.125%
HK$102,672
baseline
▲ 0.50% · 4.625%
HK$108,919
+HK$6,247/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$205,344/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,481
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,364
−HK$2,924/mo
Today · 4.125%
HK$113,288
baseline
▲ 0.50% · 4.625%
HK$119,260
+HK$5,972/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$226,576/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,715
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$116,221
−HK$3,563/mo
Today · 4.125%
HK$119,784
baseline
▲ 0.50% · 4.625%
HK$127,072
+HK$7,288/mo
Deposit HK$10.59M · loan HK$24.72M · min. income ≈ HK$239,568/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,395
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,758
−HK$3,411/mo
Today · 4.125%
HK$132,169
baseline
▲ 0.50% · 4.625%
HK$139,136
+HK$6,967/mo
Deposit HK$10.59M · loan HK$24.72M · min. income ≈ HK$264,338/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,920
−HK$9,087/mo
▼ 0.25% · 3.875%
HK$149,428
−HK$4,579/mo
Today · 4.125%
HK$154,007
baseline
▲ 0.50% · 4.625%
HK$163,378
+HK$9,371/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$308,014/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,222
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$165,546
−HK$4,386/mo
Today · 4.125%
HK$169,932
baseline
▲ 0.50% · 4.625%
HK$178,889
+HK$8,957/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$339,864/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,584 · Scale 2, in force from 26 Feb 2026)