LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,652
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,067
−HK$2,454/mo
Today · 4.125%
HK$82,521
baseline
▲ 0.50% · 4.625%
HK$87,543
+HK$5,022/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,042/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,387
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,704
−HK$2,350/mo
Today · 4.125%
HK$91,054
baseline
▲ 0.50% · 4.625%
HK$95,854
+HK$4,800/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,108/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,182
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,081
−HK$2,945/mo
Today · 4.125%
HK$99,026
baseline
▲ 0.50% · 4.625%
HK$105,051
+HK$6,025/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$198,052/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,664
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,445
−HK$2,820/mo
Today · 4.125%
HK$109,265
baseline
▲ 0.50% · 4.625%
HK$115,025
+HK$5,760/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$218,530/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,713
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,094
−HK$3,436/mo
Today · 4.125%
HK$115,530
baseline
▲ 0.50% · 4.625%
HK$122,560
+HK$7,030/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$231,060/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,942
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,185
−HK$3,291/mo
Today · 4.125%
HK$127,476
baseline
▲ 0.50% · 4.625%
HK$134,195
+HK$6,719/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$254,952/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,773
−HK$8,765/mo
▼ 0.25% · 3.875%
HK$144,121
−HK$4,417/mo
Today · 4.125%
HK$148,538
baseline
▲ 0.50% · 4.625%
HK$157,577
+HK$9,039/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$297,076/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,497
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$159,667
−HK$4,231/mo
Today · 4.125%
HK$163,898
baseline
▲ 0.50% · 4.625%
HK$172,537
+HK$8,639/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$327,796/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,296 · Scale 2, in force from 26 Feb 2026)