LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,770
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,283
−HK$2,552/mo
Today · 4.125%
HK$85,835
baseline
▲ 0.50% · 4.625%
HK$91,058
+HK$5,223/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,670/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,856
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,266
−HK$2,445/mo
Today · 4.125%
HK$94,711
baseline
▲ 0.50% · 4.625%
HK$99,703
+HK$4,992/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,422/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,924
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,939
−HK$3,063/mo
Today · 4.125%
HK$103,002
baseline
▲ 0.50% · 4.625%
HK$109,270
+HK$6,268/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$206,004/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,827
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,719
−HK$2,934/mo
Today · 4.125%
HK$113,653
baseline
▲ 0.50% · 4.625%
HK$119,644
+HK$5,991/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$227,306/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,078
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,596
−HK$3,573/mo
Today · 4.125%
HK$120,169
baseline
▲ 0.50% · 4.625%
HK$127,481
+HK$7,312/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$240,338/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,799
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,172
−HK$3,423/mo
Today · 4.125%
HK$132,595
baseline
▲ 0.50% · 4.625%
HK$139,584
+HK$6,989/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$265,190/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,387
−HK$9,117/mo
▼ 0.25% · 3.875%
HK$149,909
−HK$4,595/mo
Today · 4.125%
HK$154,504
baseline
▲ 0.50% · 4.625%
HK$163,905
+HK$9,401/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$309,008/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,741
−HK$8,738/mo
▼ 0.25% · 3.875%
HK$166,079
−HK$4,400/mo
Today · 4.125%
HK$170,479
baseline
▲ 0.50% · 4.625%
HK$179,466
+HK$8,987/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$340,958/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,418 · Scale 2, in force from 26 Feb 2026)