LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,703
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,151
−HK$2,487/mo
Today · 4.125%
HK$83,638
baseline
▲ 0.50% · 4.625%
HK$88,727
+HK$5,089/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,276/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,556
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,904
−HK$2,382/mo
Today · 4.125%
HK$92,286
baseline
▲ 0.50% · 4.625%
HK$97,151
+HK$4,865/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,572/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,443
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,381
−HK$2,985/mo
Today · 4.125%
HK$100,366
baseline
▲ 0.50% · 4.625%
HK$106,473
+HK$6,107/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$200,732/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,067
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,885
−HK$2,859/mo
Today · 4.125%
HK$110,744
baseline
▲ 0.50% · 4.625%
HK$116,581
+HK$5,837/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$221,488/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,184
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$113,611
−HK$3,482/mo
Today · 4.125%
HK$117,093
baseline
▲ 0.50% · 4.625%
HK$124,218
+HK$7,125/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$234,186/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,578
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,866
−HK$3,335/mo
Today · 4.125%
HK$129,201
baseline
▲ 0.50% · 4.625%
HK$136,011
+HK$6,810/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$258,402/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,665
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$146,071
−HK$4,477/mo
Today · 4.125%
HK$150,548
baseline
▲ 0.50% · 4.625%
HK$159,709
+HK$9,161/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$301,096/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,601
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$161,827
−HK$4,288/mo
Today · 4.125%
HK$166,115
baseline
▲ 0.50% · 4.625%
HK$174,872
+HK$8,757/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$332,230/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,881 · Scale 2, in force from 26 Feb 2026)