LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,422
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,861
−HK$2,479/mo
Today · 4.125%
HK$83,340
baseline
▲ 0.50% · 4.625%
HK$88,411
+HK$5,071/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,680/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,244
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,584
−HK$2,373/mo
Today · 4.125%
HK$91,957
baseline
▲ 0.50% · 4.625%
HK$96,804
+HK$4,847/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$183,914/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,106
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,034
−HK$2,974/mo
Today · 4.125%
HK$100,008
baseline
▲ 0.50% · 4.625%
HK$106,093
+HK$6,085/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$200,016/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,692
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,500
−HK$2,849/mo
Today · 4.125%
HK$110,349
baseline
▲ 0.50% · 4.625%
HK$116,165
+HK$5,816/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$220,698/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,791
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$113,206
−HK$3,470/mo
Today · 4.125%
HK$116,676
baseline
▲ 0.50% · 4.625%
HK$123,775
+HK$7,099/mo
Deposit HK$10.32M · loan HK$24.07M · min. income ≈ HK$233,352/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,141
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,417
−HK$3,323/mo
Today · 4.125%
HK$128,740
baseline
▲ 0.50% · 4.625%
HK$135,526
+HK$6,786/mo
Deposit HK$10.32M · loan HK$24.07M · min. income ≈ HK$257,480/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,160
−HK$8,852/mo
▼ 0.25% · 3.875%
HK$145,551
−HK$4,461/mo
Today · 4.125%
HK$150,012
baseline
▲ 0.50% · 4.625%
HK$159,139
+HK$9,127/mo
Deposit HK$3.44M · loan HK$30.95M · min. income ≈ HK$300,024/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,039
−HK$8,484/mo
▼ 0.25% · 3.875%
HK$161,250
−HK$4,273/mo
Today · 4.125%
HK$165,523
baseline
▲ 0.50% · 4.625%
HK$174,248
+HK$8,725/mo
Deposit HK$3.44M · loan HK$30.95M · min. income ≈ HK$331,046/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,651 · Scale 2, in force from 26 Feb 2026)