LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,848
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,301
−HK$2,491/mo
Today · 4.125%
HK$83,792
baseline
▲ 0.50% · 4.625%
HK$88,891
+HK$5,099/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$167,584/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,718
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,070
−HK$2,387/mo
Today · 4.125%
HK$92,457
baseline
▲ 0.50% · 4.625%
HK$97,330
+HK$4,873/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$184,914/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,617
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,561
−HK$2,990/mo
Today · 4.125%
HK$100,551
baseline
▲ 0.50% · 4.625%
HK$106,669
+HK$6,118/mo
Deposit HK$13.83M · loan HK$20.75M · min. income ≈ HK$201,102/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,261
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,084
−HK$2,864/mo
Today · 4.125%
HK$110,948
baseline
▲ 0.50% · 4.625%
HK$116,796
+HK$5,848/mo
Deposit HK$13.83M · loan HK$20.75M · min. income ≈ HK$221,896/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,387
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$113,821
−HK$3,488/mo
Today · 4.125%
HK$117,309
baseline
▲ 0.50% · 4.625%
HK$124,447
+HK$7,138/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$234,618/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,805
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,098
−HK$3,341/mo
Today · 4.125%
HK$129,439
baseline
▲ 0.50% · 4.625%
HK$136,262
+HK$6,823/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$258,878/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,926
−HK$8,900/mo
▼ 0.25% · 3.875%
HK$146,341
−HK$4,485/mo
Today · 4.125%
HK$150,826
baseline
▲ 0.50% · 4.625%
HK$160,004
+HK$9,178/mo
Deposit HK$3.46M · loan HK$31.12M · min. income ≈ HK$301,652/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,892
−HK$8,530/mo
▼ 0.25% · 3.875%
HK$162,126
−HK$4,296/mo
Today · 4.125%
HK$166,422
baseline
▲ 0.50% · 4.625%
HK$175,194
+HK$8,772/mo
Deposit HK$3.46M · loan HK$31.12M · min. income ≈ HK$332,844/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,588 · Scale 2, in force from 26 Feb 2026)