LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,698
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,208
−HK$2,550/mo
Today · 4.125%
HK$85,758
baseline
▲ 0.50% · 4.625%
HK$90,976
+HK$5,218/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$171,516/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,775
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,183
−HK$2,442/mo
Today · 4.125%
HK$94,625
baseline
▲ 0.50% · 4.625%
HK$99,613
+HK$4,988/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$189,250/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,837
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,849
−HK$3,061/mo
Today · 4.125%
HK$102,910
baseline
▲ 0.50% · 4.625%
HK$109,171
+HK$6,261/mo
Deposit HK$14.16M · loan HK$21.23M · min. income ≈ HK$205,820/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,730
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,620
−HK$2,931/mo
Today · 4.125%
HK$113,551
baseline
▲ 0.50% · 4.625%
HK$119,536
+HK$5,985/mo
Deposit HK$14.16M · loan HK$21.23M · min. income ≈ HK$227,102/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,977
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,491
−HK$3,570/mo
Today · 4.125%
HK$120,061
baseline
▲ 0.50% · 4.625%
HK$127,367
+HK$7,306/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$240,122/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,685
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$129,056
−HK$3,420/mo
Today · 4.125%
HK$132,476
baseline
▲ 0.50% · 4.625%
HK$139,459
+HK$6,983/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$264,952/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,256
−HK$9,108/mo
▼ 0.25% · 3.875%
HK$149,774
−HK$4,590/mo
Today · 4.125%
HK$154,364
baseline
▲ 0.50% · 4.625%
HK$163,757
+HK$9,393/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$308,728/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,595
−HK$8,731/mo
▼ 0.25% · 3.875%
HK$165,929
−HK$4,397/mo
Today · 4.125%
HK$170,326
baseline
▲ 0.50% · 4.625%
HK$179,304
+HK$8,978/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$340,652/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,062 · Scale 2, in force from 26 Feb 2026)