LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,066
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,494
−HK$2,467/mo
Today · 4.125%
HK$82,961
baseline
▲ 0.50% · 4.625%
HK$88,010
+HK$5,049/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$165,922/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,455,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,848
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,177
−HK$2,363/mo
Today · 4.125%
HK$91,540
baseline
▲ 0.50% · 4.625%
HK$96,365
+HK$4,825/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$183,080/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,455,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,679
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,593
−HK$2,961/mo
Today · 4.125%
HK$99,554
baseline
▲ 0.50% · 4.625%
HK$105,611
+HK$6,057/mo
Deposit HK$13.69M · loan HK$20.54M · min. income ≈ HK$199,108/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,455,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,217
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,012
−HK$2,836/mo
Today · 4.125%
HK$109,848
baseline
▲ 0.50% · 4.625%
HK$115,638
+HK$5,790/mo
Deposit HK$13.69M · loan HK$20.54M · min. income ≈ HK$219,696/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,455,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,292
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$112,692
−HK$3,454/mo
Today · 4.125%
HK$116,146
baseline
▲ 0.50% · 4.625%
HK$123,213
+HK$7,067/mo
Deposit HK$10.27M · loan HK$23.96M · min. income ≈ HK$232,292/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,587
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$124,848
−HK$3,308/mo
Today · 4.125%
HK$128,156
baseline
▲ 0.50% · 4.625%
HK$134,911
+HK$6,755/mo
Deposit HK$10.27M · loan HK$23.96M · min. income ≈ HK$256,312/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,519
−HK$8,812/mo
▼ 0.25% · 3.875%
HK$144,890
−HK$4,441/mo
Today · 4.125%
HK$149,331
baseline
▲ 0.50% · 4.625%
HK$158,417
+HK$9,086/mo
Deposit HK$3.42M · loan HK$30.81M · min. income ≈ HK$298,662/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,326
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$160,518
−HK$4,254/mo
Today · 4.125%
HK$164,772
baseline
▲ 0.50% · 4.625%
HK$173,457
+HK$8,685/mo
Deposit HK$3.42M · loan HK$30.81M · min. income ≈ HK$329,544/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,016 · Scale 2, in force from 26 Feb 2026)