LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,796
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,309
−HK$2,554/mo
Today · 4.125%
HK$85,863
baseline
▲ 0.50% · 4.625%
HK$91,087
+HK$5,224/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$171,726/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,885
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,295
−HK$2,446/mo
Today · 4.125%
HK$94,741
baseline
▲ 0.50% · 4.625%
HK$99,735
+HK$4,994/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$189,482/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,955
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,971
−HK$3,064/mo
Today · 4.125%
HK$103,035
baseline
▲ 0.50% · 4.625%
HK$109,305
+HK$6,270/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$206,070/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,862
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,755
−HK$2,934/mo
Today · 4.125%
HK$113,689
baseline
▲ 0.50% · 4.625%
HK$119,682
+HK$5,993/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$227,378/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,114
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$116,633
−HK$3,575/mo
Today · 4.125%
HK$120,208
baseline
▲ 0.50% · 4.625%
HK$127,522
+HK$7,314/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$240,416/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,505,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,839
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,214
−HK$3,423/mo
Today · 4.125%
HK$132,637
baseline
▲ 0.50% · 4.625%
HK$139,629
+HK$6,992/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$265,274/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,505,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,433
−HK$9,120/mo
▼ 0.25% · 3.875%
HK$149,957
−HK$4,596/mo
Today · 4.125%
HK$154,553
baseline
▲ 0.50% · 4.625%
HK$163,957
+HK$9,404/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$309,106/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,793
−HK$8,741/mo
▼ 0.25% · 3.875%
HK$166,132
−HK$4,402/mo
Today · 4.125%
HK$170,534
baseline
▲ 0.50% · 4.625%
HK$179,523
+HK$8,989/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$341,068/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,898 · Scale 2, in force from 26 Feb 2026)