LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,142
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,572
−HK$2,470/mo
Today · 4.125%
HK$83,042
baseline
▲ 0.50% · 4.625%
HK$88,095
+HK$5,053/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,084/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,932
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,263
−HK$2,365/mo
Today · 4.125%
HK$91,628
baseline
▲ 0.50% · 4.625%
HK$96,458
+HK$4,830/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,256/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,770
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,687
−HK$2,963/mo
Today · 4.125%
HK$99,650
baseline
▲ 0.50% · 4.625%
HK$105,713
+HK$6,063/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$199,300/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,318
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,116
−HK$2,838/mo
Today · 4.125%
HK$109,954
baseline
▲ 0.50% · 4.625%
HK$115,750
+HK$5,796/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$219,908/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,398
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$112,801
−HK$3,457/mo
Today · 4.125%
HK$116,258
baseline
▲ 0.50% · 4.625%
HK$123,332
+HK$7,074/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$232,516/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,704
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$124,968
−HK$3,312/mo
Today · 4.125%
HK$128,280
baseline
▲ 0.50% · 4.625%
HK$135,041
+HK$6,761/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$256,560/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,655
−HK$8,820/mo
▼ 0.25% · 3.875%
HK$145,030
−HK$4,445/mo
Today · 4.125%
HK$149,475
baseline
▲ 0.50% · 4.625%
HK$158,570
+HK$9,095/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$298,950/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,477
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$160,674
−HK$4,257/mo
Today · 4.125%
HK$164,931
baseline
▲ 0.50% · 4.625%
HK$173,625
+HK$8,694/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$329,862/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,422 · Scale 2, in force from 26 Feb 2026)