LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,910
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,364
−HK$2,494/mo
Today · 4.125%
HK$83,858
baseline
▲ 0.50% · 4.625%
HK$88,961
+HK$5,103/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$167,716/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,786
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,141
−HK$2,388/mo
Today · 4.125%
HK$92,529
baseline
▲ 0.50% · 4.625%
HK$97,406
+HK$4,877/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$185,058/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,692
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,637
−HK$2,993/mo
Today · 4.125%
HK$100,630
baseline
▲ 0.50% · 4.625%
HK$106,753
+HK$6,123/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$201,260/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,344
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,169
−HK$2,866/mo
Today · 4.125%
HK$111,035
baseline
▲ 0.50% · 4.625%
HK$116,888
+HK$5,853/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$222,070/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,474
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$113,910
−HK$3,491/mo
Today · 4.125%
HK$117,401
baseline
▲ 0.50% · 4.625%
HK$124,545
+HK$7,144/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$234,802/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,901
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$126,197
−HK$3,344/mo
Today · 4.125%
HK$129,541
baseline
▲ 0.50% · 4.625%
HK$136,369
+HK$6,828/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$259,082/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,037
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$146,456
−HK$4,488/mo
Today · 4.125%
HK$150,944
baseline
▲ 0.50% · 4.625%
HK$160,129
+HK$9,185/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$301,888/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,015
−HK$8,537/mo
▼ 0.25% · 3.875%
HK$162,253
−HK$4,299/mo
Today · 4.125%
HK$166,552
baseline
▲ 0.50% · 4.625%
HK$175,332
+HK$8,780/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$333,104/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,740 · Scale 2, in force from 26 Feb 2026)