LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,699
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,209
−HK$2,551/mo
Today · 4.125%
HK$85,760
baseline
▲ 0.50% · 4.625%
HK$90,978
+HK$5,218/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$171,520/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,777
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,185
−HK$2,442/mo
Today · 4.125%
HK$94,627
baseline
▲ 0.50% · 4.625%
HK$99,615
+HK$4,988/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$189,254/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,839
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,851
−HK$3,061/mo
Today · 4.125%
HK$102,912
baseline
▲ 0.50% · 4.625%
HK$109,174
+HK$6,262/mo
Deposit HK$14.16M · loan HK$21.23M · min. income ≈ HK$205,824/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,732
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,622
−HK$2,931/mo
Today · 4.125%
HK$113,553
baseline
▲ 0.50% · 4.625%
HK$119,538
+HK$5,985/mo
Deposit HK$14.16M · loan HK$21.23M · min. income ≈ HK$227,106/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,979
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$116,493
−HK$3,571/mo
Today · 4.125%
HK$120,064
baseline
▲ 0.50% · 4.625%
HK$127,369
+HK$7,305/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$240,128/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,688
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$129,059
−HK$3,419/mo
Today · 4.125%
HK$132,478
baseline
▲ 0.50% · 4.625%
HK$139,461
+HK$6,983/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$264,956/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,259
−HK$9,109/mo
▼ 0.25% · 3.875%
HK$149,777
−HK$4,591/mo
Today · 4.125%
HK$154,368
baseline
▲ 0.50% · 4.625%
HK$163,760
+HK$9,392/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$308,736/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,599
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$165,933
−HK$4,396/mo
Today · 4.125%
HK$170,329
baseline
▲ 0.50% · 4.625%
HK$179,308
+HK$8,979/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$340,658/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,092 · Scale 2, in force from 26 Feb 2026)