LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,904
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,420
−HK$2,557/mo
Today · 4.125%
HK$85,977
baseline
▲ 0.50% · 4.625%
HK$91,209
+HK$5,232/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$171,954/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,507,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,005
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,419
−HK$2,448/mo
Today · 4.125%
HK$94,867
baseline
▲ 0.50% · 4.625%
HK$99,868
+HK$5,001/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$189,734/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,507,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,085
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,104
−HK$3,069/mo
Today · 4.125%
HK$103,173
baseline
▲ 0.50% · 4.625%
HK$109,450
+HK$6,277/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$206,346/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,006
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,902
−HK$2,939/mo
Today · 4.125%
HK$113,841
baseline
▲ 0.50% · 4.625%
HK$119,841
+HK$6,000/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$227,682/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,265
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,788
−HK$3,580/mo
Today · 4.125%
HK$120,368
baseline
▲ 0.50% · 4.625%
HK$127,692
+HK$7,324/mo
Deposit HK$10.64M · loan HK$24.84M · min. income ≈ HK$240,736/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,006
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,386
−HK$3,428/mo
Today · 4.125%
HK$132,814
baseline
▲ 0.50% · 4.625%
HK$139,815
+HK$7,001/mo
Deposit HK$10.64M · loan HK$24.84M · min. income ≈ HK$265,628/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,627
−HK$9,132/mo
▼ 0.25% · 3.875%
HK$150,157
−HK$4,602/mo
Today · 4.125%
HK$154,759
baseline
▲ 0.50% · 4.625%
HK$164,176
+HK$9,417/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$309,518/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,507,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,008
−HK$8,753/mo
▼ 0.25% · 3.875%
HK$166,353
−HK$4,408/mo
Today · 4.125%
HK$170,761
baseline
▲ 0.50% · 4.625%
HK$179,762
+HK$9,001/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$341,522/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,507,906 · Scale 2, in force from 26 Feb 2026)