LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,371
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,809
−HK$2,477/mo
Today · 4.125%
HK$83,286
baseline
▲ 0.50% · 4.625%
HK$88,353
+HK$5,067/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$166,572/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,460,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,187
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,525
−HK$2,372/mo
Today · 4.125%
HK$91,897
baseline
▲ 0.50% · 4.625%
HK$96,741
+HK$4,844/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$183,794/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,460,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,045
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,971
−HK$2,972/mo
Today · 4.125%
HK$99,943
baseline
▲ 0.50% · 4.625%
HK$106,024
+HK$6,081/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$199,886/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,624
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,430
−HK$2,847/mo
Today · 4.125%
HK$110,277
baseline
▲ 0.50% · 4.625%
HK$116,090
+HK$5,813/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$220,554/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,719
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,132
−HK$3,468/mo
Today · 4.125%
HK$116,600
baseline
▲ 0.50% · 4.625%
HK$123,695
+HK$7,095/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$233,200/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,062
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,335
−HK$3,321/mo
Today · 4.125%
HK$128,656
baseline
▲ 0.50% · 4.625%
HK$135,438
+HK$6,782/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$257,312/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,068
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$145,456
−HK$4,458/mo
Today · 4.125%
HK$149,914
baseline
▲ 0.50% · 4.625%
HK$159,036
+HK$9,122/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$299,828/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,937
−HK$8,478/mo
▼ 0.25% · 3.875%
HK$161,145
−HK$4,270/mo
Today · 4.125%
HK$165,415
baseline
▲ 0.50% · 4.625%
HK$174,135
+HK$8,720/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$330,830/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,699 · Scale 2, in force from 26 Feb 2026)