LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,657
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,103
−HK$2,486/mo
Today · 4.125%
HK$83,589
baseline
▲ 0.50% · 4.625%
HK$88,675
+HK$5,086/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$167,178/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,466,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,505
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,851
−HK$2,381/mo
Today · 4.125%
HK$92,232
baseline
▲ 0.50% · 4.625%
HK$97,094
+HK$4,862/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$184,464/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,466,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,388
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,324
−HK$2,983/mo
Today · 4.125%
HK$100,307
baseline
▲ 0.50% · 4.625%
HK$106,410
+HK$6,103/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$200,614/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,466,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,006
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,822
−HK$2,857/mo
Today · 4.125%
HK$110,679
baseline
▲ 0.50% · 4.625%
HK$116,513
+HK$5,834/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$221,358/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,466,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,119
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,545
−HK$3,480/mo
Today · 4.125%
HK$117,025
baseline
▲ 0.50% · 4.625%
HK$124,145
+HK$7,120/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$234,050/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,466,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,507
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,792
−HK$3,333/mo
Today · 4.125%
HK$129,125
baseline
▲ 0.50% · 4.625%
HK$135,932
+HK$6,807/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$258,250/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,466,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,582
−HK$8,878/mo
▼ 0.25% · 3.875%
HK$145,986
−HK$4,474/mo
Today · 4.125%
HK$150,460
baseline
▲ 0.50% · 4.625%
HK$159,615
+HK$9,155/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$300,920/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,508
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$161,733
−HK$4,285/mo
Today · 4.125%
HK$166,018
baseline
▲ 0.50% · 4.625%
HK$174,769
+HK$8,751/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$332,036/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,022 · Scale 2, in force from 26 Feb 2026)