LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,150
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,581
−HK$2,469/mo
Today · 4.125%
HK$83,050
baseline
▲ 0.50% · 4.625%
HK$88,104
+HK$5,054/mo
Deposit HK$17.14M · loan HK$17.14M · min. income ≈ HK$166,100/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,941
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,272
−HK$2,366/mo
Today · 4.125%
HK$91,638
baseline
▲ 0.50% · 4.625%
HK$96,468
+HK$4,830/mo
Deposit HK$17.14M · loan HK$17.14M · min. income ≈ HK$183,276/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,780
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,697
−HK$2,963/mo
Today · 4.125%
HK$99,660
baseline
▲ 0.50% · 4.625%
HK$105,724
+HK$6,064/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$199,320/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,456,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,329
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,127
−HK$2,838/mo
Today · 4.125%
HK$109,965
baseline
▲ 0.50% · 4.625%
HK$115,762
+HK$5,797/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$219,930/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,456,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,410
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$112,813
−HK$3,457/mo
Today · 4.125%
HK$116,270
baseline
▲ 0.50% · 4.625%
HK$123,345
+HK$7,075/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$232,540/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,717
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$124,981
−HK$3,312/mo
Today · 4.125%
HK$128,293
baseline
▲ 0.50% · 4.625%
HK$135,055
+HK$6,762/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$256,586/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,669
−HK$8,822/mo
▼ 0.25% · 3.875%
HK$145,045
−HK$4,446/mo
Today · 4.125%
HK$149,491
baseline
▲ 0.50% · 4.625%
HK$158,587
+HK$9,096/mo
Deposit HK$3.43M · loan HK$30.85M · min. income ≈ HK$298,982/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,493
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$160,690
−HK$4,258/mo
Today · 4.125%
HK$164,948
baseline
▲ 0.50% · 4.625%
HK$173,643
+HK$8,695/mo
Deposit HK$3.43M · loan HK$30.85M · min. income ≈ HK$329,896/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,574 · Scale 2, in force from 26 Feb 2026)