LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,952
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,408
−HK$2,495/mo
Today · 4.125%
HK$83,903
baseline
▲ 0.50% · 4.625%
HK$89,009
+HK$5,106/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$167,806/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,834
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,189
−HK$2,390/mo
Today · 4.125%
HK$92,579
baseline
▲ 0.50% · 4.625%
HK$97,459
+HK$4,880/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$185,158/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,743
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,690
−HK$2,994/mo
Today · 4.125%
HK$100,684
baseline
▲ 0.50% · 4.625%
HK$106,810
+HK$6,126/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$201,368/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,400
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$108,227
−HK$2,868/mo
Today · 4.125%
HK$111,095
baseline
▲ 0.50% · 4.625%
HK$116,951
+HK$5,856/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$222,190/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,533
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,971
−HK$3,494/mo
Today · 4.125%
HK$117,465
baseline
▲ 0.50% · 4.625%
HK$124,612
+HK$7,147/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$234,930/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,967
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,265
−HK$3,346/mo
Today · 4.125%
HK$129,611
baseline
▲ 0.50% · 4.625%
HK$136,442
+HK$6,831/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$259,222/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,114
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$146,535
−HK$4,491/mo
Today · 4.125%
HK$151,026
baseline
▲ 0.50% · 4.625%
HK$160,215
+HK$9,189/mo
Deposit HK$3.46M · loan HK$31.16M · min. income ≈ HK$302,052/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,100
−HK$8,542/mo
▼ 0.25% · 3.875%
HK$162,341
−HK$4,301/mo
Today · 4.125%
HK$166,642
baseline
▲ 0.50% · 4.625%
HK$175,426
+HK$8,784/mo
Deposit HK$3.46M · loan HK$31.16M · min. income ≈ HK$333,284/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,532 · Scale 2, in force from 26 Feb 2026)