LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,819
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,332
−HK$2,555/mo
Today · 4.125%
HK$85,887
baseline
▲ 0.50% · 4.625%
HK$91,113
+HK$5,226/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$171,774/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,910
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,321
−HK$2,446/mo
Today · 4.125%
HK$94,767
baseline
▲ 0.50% · 4.625%
HK$99,763
+HK$4,996/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$189,534/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,982
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$99,999
−HK$3,065/mo
Today · 4.125%
HK$103,064
baseline
▲ 0.50% · 4.625%
HK$109,335
+HK$6,271/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,128/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,892
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,785
−HK$2,936/mo
Today · 4.125%
HK$113,721
baseline
▲ 0.50% · 4.625%
HK$119,715
+HK$5,994/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,442/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,146
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$116,665
−HK$3,576/mo
Today · 4.125%
HK$120,241
baseline
▲ 0.50% · 4.625%
HK$127,558
+HK$7,317/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$240,482/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,874
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$129,250
−HK$3,424/mo
Today · 4.125%
HK$132,674
baseline
▲ 0.50% · 4.625%
HK$139,668
+HK$6,994/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$265,348/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,473
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$149,998
−HK$4,598/mo
Today · 4.125%
HK$154,596
baseline
▲ 0.50% · 4.625%
HK$164,003
+HK$9,407/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$309,192/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,838
−HK$8,743/mo
▼ 0.25% · 3.875%
HK$166,178
−HK$4,403/mo
Today · 4.125%
HK$170,581
baseline
▲ 0.50% · 4.625%
HK$179,573
+HK$8,992/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$341,162/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,317 · Scale 2, in force from 26 Feb 2026)