LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,689
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,137
−HK$2,487/mo
Today · 4.125%
HK$83,624
baseline
▲ 0.50% · 4.625%
HK$88,712
+HK$5,088/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$167,248/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,541
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,889
−HK$2,381/mo
Today · 4.125%
HK$92,270
baseline
▲ 0.50% · 4.625%
HK$97,134
+HK$4,864/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$184,540/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,427
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,364
−HK$2,984/mo
Today · 4.125%
HK$100,348
baseline
▲ 0.50% · 4.625%
HK$106,454
+HK$6,106/mo
Deposit HK$13.80M · loan HK$20.71M · min. income ≈ HK$200,696/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,049
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,866
−HK$2,858/mo
Today · 4.125%
HK$110,724
baseline
▲ 0.50% · 4.625%
HK$116,561
+HK$5,837/mo
Deposit HK$13.80M · loan HK$20.71M · min. income ≈ HK$221,448/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,165
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$113,591
−HK$3,482/mo
Today · 4.125%
HK$117,073
baseline
▲ 0.50% · 4.625%
HK$124,197
+HK$7,124/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$234,146/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,557
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,844
−HK$3,334/mo
Today · 4.125%
HK$129,178
baseline
▲ 0.50% · 4.625%
HK$135,988
+HK$6,810/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$258,356/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,640
−HK$8,882/mo
▼ 0.25% · 3.875%
HK$146,046
−HK$4,476/mo
Today · 4.125%
HK$150,522
baseline
▲ 0.50% · 4.625%
HK$159,681
+HK$9,159/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$301,044/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,573
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$161,799
−HK$4,288/mo
Today · 4.125%
HK$166,087
baseline
▲ 0.50% · 4.625%
HK$174,841
+HK$8,754/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$332,174/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,627 · Scale 2, in force from 26 Feb 2026)