LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,002
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,429
−HK$2,465/mo
Today · 4.125%
HK$82,894
baseline
▲ 0.50% · 4.625%
HK$87,938
+HK$5,044/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,788/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,453,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,777
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,104
−HK$2,361/mo
Today · 4.125%
HK$91,465
baseline
▲ 0.50% · 4.625%
HK$96,286
+HK$4,821/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,930/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,453,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,603
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$96,515
−HK$2,958/mo
Today · 4.125%
HK$99,473
baseline
▲ 0.50% · 4.625%
HK$105,525
+HK$6,052/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$198,946/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,453,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,132
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,925
−HK$2,833/mo
Today · 4.125%
HK$109,758
baseline
▲ 0.50% · 4.625%
HK$115,544
+HK$5,786/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$219,516/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,453,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,203
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,600
−HK$3,451/mo
Today · 4.125%
HK$116,051
baseline
▲ 0.50% · 4.625%
HK$123,113
+HK$7,062/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$232,102/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,453,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,488
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,746
−HK$3,305/mo
Today · 4.125%
HK$128,051
baseline
▲ 0.50% · 4.625%
HK$134,801
+HK$6,750/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$256,102/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,453,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,404
−HK$8,805/mo
▼ 0.25% · 3.875%
HK$144,772
−HK$4,437/mo
Today · 4.125%
HK$149,209
baseline
▲ 0.50% · 4.625%
HK$158,288
+HK$9,079/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$298,418/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,198
−HK$8,439/mo
▼ 0.25% · 3.875%
HK$160,388
−HK$4,249/mo
Today · 4.125%
HK$164,637
baseline
▲ 0.50% · 4.625%
HK$173,316
+HK$8,679/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$329,274/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,830 · Scale 2, in force from 26 Feb 2026)