LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,014
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,410
−HK$2,433/mo
Today · 4.125%
HK$81,843
baseline
▲ 0.50% · 4.625%
HK$86,823
+HK$4,980/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,686/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,677
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,975
−HK$2,331/mo
Today · 4.125%
HK$90,306
baseline
▲ 0.50% · 4.625%
HK$95,066
+HK$4,760/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,612/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,417
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,291
−HK$2,921/mo
Today · 4.125%
HK$98,212
baseline
▲ 0.50% · 4.625%
HK$104,188
+HK$5,976/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,424/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,813
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,570
−HK$2,797/mo
Today · 4.125%
HK$108,367
baseline
▲ 0.50% · 4.625%
HK$114,080
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,734/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,820
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,173
−HK$3,408/mo
Today · 4.125%
HK$114,581
baseline
▲ 0.50% · 4.625%
HK$121,553
+HK$6,972/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,162/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,948
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,165
−HK$3,264/mo
Today · 4.125%
HK$126,429
baseline
▲ 0.50% · 4.625%
HK$133,093
+HK$6,664/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,858/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,625
−HK$8,693/mo
▼ 0.25% · 3.875%
HK$142,937
−HK$4,381/mo
Today · 4.125%
HK$147,318
baseline
▲ 0.50% · 4.625%
HK$156,282
+HK$8,964/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,636/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,219
−HK$8,332/mo
▼ 0.25% · 3.875%
HK$158,355
−HK$4,196/mo
Today · 4.125%
HK$162,551
baseline
▲ 0.50% · 4.625%
HK$171,119
+HK$8,568/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,102/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,406 · Scale 2, in force from 26 Feb 2026)