LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,723
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,233
−HK$2,552/mo
Today · 4.125%
HK$85,785
baseline
▲ 0.50% · 4.625%
HK$91,004
+HK$5,219/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$171,570/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,803
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,211
−HK$2,444/mo
Today · 4.125%
HK$94,655
baseline
▲ 0.50% · 4.625%
HK$99,644
+HK$4,989/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$189,310/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,867
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,880
−HK$3,061/mo
Today · 4.125%
HK$102,941
baseline
▲ 0.50% · 4.625%
HK$109,205
+HK$6,264/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$205,882/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,764
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,654
−HK$2,932/mo
Today · 4.125%
HK$113,586
baseline
▲ 0.50% · 4.625%
HK$119,573
+HK$5,987/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$227,172/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,012
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,527
−HK$3,571/mo
Today · 4.125%
HK$120,098
baseline
▲ 0.50% · 4.625%
HK$127,406
+HK$7,308/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$240,196/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,724
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,096
−HK$3,421/mo
Today · 4.125%
HK$132,517
baseline
▲ 0.50% · 4.625%
HK$139,502
+HK$6,985/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$265,034/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,301
−HK$9,111/mo
▼ 0.25% · 3.875%
HK$149,820
−HK$4,592/mo
Today · 4.125%
HK$154,412
baseline
▲ 0.50% · 4.625%
HK$163,808
+HK$9,396/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$308,824/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,645
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$165,981
−HK$4,398/mo
Today · 4.125%
HK$170,379
baseline
▲ 0.50% · 4.625%
HK$179,359
+HK$8,980/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$340,758/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,527 · Scale 2, in force from 26 Feb 2026)