LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,746
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,258
−HK$2,552/mo
Today · 4.125%
HK$85,810
baseline
▲ 0.50% · 4.625%
HK$91,031
+HK$5,221/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,620/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,830
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,239
−HK$2,444/mo
Today · 4.125%
HK$94,683
baseline
▲ 0.50% · 4.625%
HK$99,674
+HK$4,991/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,366/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,896
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,910
−HK$3,062/mo
Today · 4.125%
HK$102,972
baseline
▲ 0.50% · 4.625%
HK$109,237
+HK$6,265/mo
Deposit HK$14.16M · loan HK$21.25M · min. income ≈ HK$205,944/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,795
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,686
−HK$2,933/mo
Today · 4.125%
HK$113,619
baseline
▲ 0.50% · 4.625%
HK$119,608
+HK$5,989/mo
Deposit HK$14.16M · loan HK$21.25M · min. income ≈ HK$227,238/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,045
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$116,561
−HK$3,573/mo
Today · 4.125%
HK$120,134
baseline
▲ 0.50% · 4.625%
HK$127,444
+HK$7,310/mo
Deposit HK$10.62M · loan HK$24.79M · min. income ≈ HK$240,268/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,761
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$129,134
−HK$3,422/mo
Today · 4.125%
HK$132,556
baseline
▲ 0.50% · 4.625%
HK$139,543
+HK$6,987/mo
Deposit HK$10.62M · loan HK$24.79M · min. income ≈ HK$265,112/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,344
−HK$9,114/mo
▼ 0.25% · 3.875%
HK$149,865
−HK$4,593/mo
Today · 4.125%
HK$154,458
baseline
▲ 0.50% · 4.625%
HK$163,856
+HK$9,398/mo
Deposit HK$3.54M · loan HK$31.87M · min. income ≈ HK$308,916/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,504,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,693
−HK$8,736/mo
▼ 0.25% · 3.875%
HK$166,030
−HK$4,399/mo
Today · 4.125%
HK$170,429
baseline
▲ 0.50% · 4.625%
HK$179,413
+HK$8,984/mo
Deposit HK$3.54M · loan HK$31.87M · min. income ≈ HK$340,858/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,504,972 · Scale 2, in force from 26 Feb 2026)