LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,821
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,335
−HK$2,554/mo
Today · 4.125%
HK$85,889
baseline
▲ 0.50% · 4.625%
HK$91,115
+HK$5,226/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$171,778/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,912
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,323
−HK$2,447/mo
Today · 4.125%
HK$94,770
baseline
▲ 0.50% · 4.625%
HK$99,765
+HK$4,995/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$189,540/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,985
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$100,001
−HK$3,065/mo
Today · 4.125%
HK$103,066
baseline
▲ 0.50% · 4.625%
HK$109,338
+HK$6,272/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,132/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,894
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,788
−HK$2,936/mo
Today · 4.125%
HK$113,724
baseline
▲ 0.50% · 4.625%
HK$119,718
+HK$5,994/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,448/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,149
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$116,668
−HK$3,576/mo
Today · 4.125%
HK$120,244
baseline
▲ 0.50% · 4.625%
HK$127,561
+HK$7,317/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$240,488/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,877
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$129,253
−HK$3,425/mo
Today · 4.125%
HK$132,678
baseline
▲ 0.50% · 4.625%
HK$139,671
+HK$6,993/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$265,356/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,477
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$150,002
−HK$4,598/mo
Today · 4.125%
HK$154,600
baseline
▲ 0.50% · 4.625%
HK$164,007
+HK$9,407/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$309,200/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,842
−HK$8,743/mo
▼ 0.25% · 3.875%
HK$166,182
−HK$4,403/mo
Today · 4.125%
HK$170,585
baseline
▲ 0.50% · 4.625%
HK$179,577
+HK$8,992/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$341,170/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,354 · Scale 2, in force from 26 Feb 2026)