LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,980
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,405
−HK$2,465/mo
Today · 4.125%
HK$82,870
baseline
▲ 0.50% · 4.625%
HK$87,912
+HK$5,042/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,740/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,751
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,078
−HK$2,360/mo
Today · 4.125%
HK$91,438
baseline
▲ 0.50% · 4.625%
HK$96,258
+HK$4,820/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,876/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,575
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,486
−HK$2,957/mo
Today · 4.125%
HK$99,443
baseline
▲ 0.50% · 4.625%
HK$105,494
+HK$6,051/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$198,886/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,102
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,894
−HK$2,832/mo
Today · 4.125%
HK$109,726
baseline
▲ 0.50% · 4.625%
HK$115,510
+HK$5,784/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$219,452/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,171
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,567
−HK$3,450/mo
Today · 4.125%
HK$116,017
baseline
▲ 0.50% · 4.625%
HK$123,077
+HK$7,060/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$232,034/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,452
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,709
−HK$3,305/mo
Today · 4.125%
HK$128,014
baseline
▲ 0.50% · 4.625%
HK$134,761
+HK$6,747/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$256,028/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,363
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,729
−HK$4,436/mo
Today · 4.125%
HK$149,165
baseline
▲ 0.50% · 4.625%
HK$158,241
+HK$9,076/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$298,330/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,153
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$160,341
−HK$4,248/mo
Today · 4.125%
HK$164,589
baseline
▲ 0.50% · 4.625%
HK$173,265
+HK$8,676/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$329,178/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,403 · Scale 2, in force from 26 Feb 2026)