LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,845
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,360
−HK$2,555/mo
Today · 4.125%
HK$85,915
baseline
▲ 0.50% · 4.625%
HK$91,143
+HK$5,228/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,830/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,940
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,352
−HK$2,447/mo
Today · 4.125%
HK$94,799
baseline
▲ 0.50% · 4.625%
HK$99,796
+HK$4,997/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,598/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,014
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,032
−HK$3,066/mo
Today · 4.125%
HK$103,098
baseline
▲ 0.50% · 4.625%
HK$109,371
+HK$6,273/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,196/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,928
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,822
−HK$2,937/mo
Today · 4.125%
HK$113,759
baseline
▲ 0.50% · 4.625%
HK$119,755
+HK$5,996/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,518/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,183
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,704
−HK$3,577/mo
Today · 4.125%
HK$120,281
baseline
▲ 0.50% · 4.625%
HK$127,600
+HK$7,319/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,562/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,915
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,292
−HK$3,426/mo
Today · 4.125%
HK$132,718
baseline
▲ 0.50% · 4.625%
HK$139,714
+HK$6,996/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$265,436/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,522
−HK$9,125/mo
▼ 0.25% · 3.875%
HK$150,048
−HK$4,599/mo
Today · 4.125%
HK$154,647
baseline
▲ 0.50% · 4.625%
HK$164,057
+HK$9,410/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$309,294/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,891
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$166,233
−HK$4,405/mo
Today · 4.125%
HK$170,638
baseline
▲ 0.50% · 4.625%
HK$179,632
+HK$8,994/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$341,276/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,817 · Scale 2, in force from 26 Feb 2026)