LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,384
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,822
−HK$2,478/mo
Today · 4.125%
HK$83,300
baseline
▲ 0.50% · 4.625%
HK$88,368
+HK$5,068/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$166,600/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,460,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,202
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,540
−HK$2,373/mo
Today · 4.125%
HK$91,913
baseline
▲ 0.50% · 4.625%
HK$96,758
+HK$4,845/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$183,826/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,460,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,061
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,987
−HK$2,972/mo
Today · 4.125%
HK$99,959
baseline
▲ 0.50% · 4.625%
HK$106,042
+HK$6,083/mo
Deposit HK$13.75M · loan HK$20.63M · min. income ≈ HK$199,918/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,642
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,448
−HK$2,847/mo
Today · 4.125%
HK$110,295
baseline
▲ 0.50% · 4.625%
HK$116,109
+HK$5,814/mo
Deposit HK$13.75M · loan HK$20.63M · min. income ≈ HK$220,590/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,738
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,151
−HK$3,468/mo
Today · 4.125%
HK$116,619
baseline
▲ 0.50% · 4.625%
HK$123,715
+HK$7,096/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$233,238/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,082
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,356
−HK$3,322/mo
Today · 4.125%
HK$128,678
baseline
▲ 0.50% · 4.625%
HK$135,461
+HK$6,783/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$257,356/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,092
−HK$8,847/mo
▼ 0.25% · 3.875%
HK$145,480
−HK$4,459/mo
Today · 4.125%
HK$149,939
baseline
▲ 0.50% · 4.625%
HK$159,063
+HK$9,124/mo
Deposit HK$3.44M · loan HK$30.94M · min. income ≈ HK$299,878/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,963
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$161,173
−HK$4,270/mo
Today · 4.125%
HK$165,443
baseline
▲ 0.50% · 4.625%
HK$174,164
+HK$8,721/mo
Deposit HK$3.44M · loan HK$30.94M · min. income ≈ HK$330,886/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,945 · Scale 2, in force from 26 Feb 2026)