LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,418
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,857
−HK$2,479/mo
Today · 4.125%
HK$83,336
baseline
▲ 0.50% · 4.625%
HK$88,406
+HK$5,070/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,672/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,239
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,579
−HK$2,374/mo
Today · 4.125%
HK$91,953
baseline
▲ 0.50% · 4.625%
HK$96,800
+HK$4,847/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$183,906/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,102
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,029
−HK$2,974/mo
Today · 4.125%
HK$100,003
baseline
▲ 0.50% · 4.625%
HK$106,088
+HK$6,085/mo
Deposit HK$13.76M · loan HK$20.63M · min. income ≈ HK$200,006/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,687
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,495
−HK$2,848/mo
Today · 4.125%
HK$110,343
baseline
▲ 0.50% · 4.625%
HK$116,159
+HK$5,816/mo
Deposit HK$13.76M · loan HK$20.63M · min. income ≈ HK$220,686/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,785
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$113,200
−HK$3,470/mo
Today · 4.125%
HK$116,670
baseline
▲ 0.50% · 4.625%
HK$123,769
+HK$7,099/mo
Deposit HK$10.32M · loan HK$24.07M · min. income ≈ HK$233,340/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,135
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,411
−HK$3,323/mo
Today · 4.125%
HK$128,734
baseline
▲ 0.50% · 4.625%
HK$135,519
+HK$6,785/mo
Deposit HK$10.32M · loan HK$24.07M · min. income ≈ HK$257,468/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,153
−HK$8,851/mo
▼ 0.25% · 3.875%
HK$145,543
−HK$4,461/mo
Today · 4.125%
HK$150,004
baseline
▲ 0.50% · 4.625%
HK$159,131
+HK$9,127/mo
Deposit HK$3.44M · loan HK$30.95M · min. income ≈ HK$300,008/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,031
−HK$8,484/mo
▼ 0.25% · 3.875%
HK$161,242
−HK$4,273/mo
Today · 4.125%
HK$165,515
baseline
▲ 0.50% · 4.625%
HK$174,239
+HK$8,724/mo
Deposit HK$3.44M · loan HK$30.95M · min. income ≈ HK$331,030/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,577 · Scale 2, in force from 26 Feb 2026)