LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,004
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,430
−HK$2,466/mo
Today · 4.125%
HK$82,896
baseline
▲ 0.50% · 4.625%
HK$87,940
+HK$5,044/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,792/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,453,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,779
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,106
−HK$2,361/mo
Today · 4.125%
HK$91,467
baseline
▲ 0.50% · 4.625%
HK$96,288
+HK$4,821/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,934/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,453,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,605
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$96,517
−HK$2,958/mo
Today · 4.125%
HK$99,475
baseline
▲ 0.50% · 4.625%
HK$105,528
+HK$6,053/mo
Deposit HK$13.68M · loan HK$20.53M · min. income ≈ HK$198,950/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,453,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,134
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,927
−HK$2,834/mo
Today · 4.125%
HK$109,761
baseline
▲ 0.50% · 4.625%
HK$115,546
+HK$5,785/mo
Deposit HK$13.68M · loan HK$20.53M · min. income ≈ HK$219,522/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,453,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,206
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,603
−HK$3,451/mo
Today · 4.125%
HK$116,054
baseline
▲ 0.50% · 4.625%
HK$123,115
+HK$7,061/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$232,108/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,453,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,490
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,749
−HK$3,305/mo
Today · 4.125%
HK$128,054
baseline
▲ 0.50% · 4.625%
HK$134,804
+HK$6,750/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$256,108/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,453,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,407
−HK$8,805/mo
▼ 0.25% · 3.875%
HK$144,775
−HK$4,437/mo
Today · 4.125%
HK$149,212
baseline
▲ 0.50% · 4.625%
HK$158,291
+HK$9,079/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$298,424/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,202
−HK$8,439/mo
▼ 0.25% · 3.875%
HK$160,391
−HK$4,250/mo
Today · 4.125%
HK$164,641
baseline
▲ 0.50% · 4.625%
HK$173,319
+HK$8,678/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$329,282/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,860 · Scale 2, in force from 26 Feb 2026)