LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,020
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,415
−HK$2,434/mo
Today · 4.125%
HK$81,849
baseline
▲ 0.50% · 4.625%
HK$86,830
+HK$4,981/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,698/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,684
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,981
−HK$2,332/mo
Today · 4.125%
HK$90,313
baseline
▲ 0.50% · 4.625%
HK$95,073
+HK$4,760/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,626/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,424
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,298
−HK$2,921/mo
Today · 4.125%
HK$98,219
baseline
▲ 0.50% · 4.625%
HK$104,196
+HK$5,977/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,438/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,820
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,578
−HK$2,797/mo
Today · 4.125%
HK$108,375
baseline
▲ 0.50% · 4.625%
HK$114,088
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,750/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,827
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,181
−HK$3,408/mo
Today · 4.125%
HK$114,589
baseline
▲ 0.50% · 4.625%
HK$121,562
+HK$6,973/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,178/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,957
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,174
−HK$3,264/mo
Today · 4.125%
HK$126,438
baseline
▲ 0.50% · 4.625%
HK$133,103
+HK$6,665/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,876/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,635
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$142,948
−HK$4,381/mo
Today · 4.125%
HK$147,329
baseline
▲ 0.50% · 4.625%
HK$156,294
+HK$8,965/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,658/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,230
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$158,367
−HK$4,196/mo
Today · 4.125%
HK$162,563
baseline
▲ 0.50% · 4.625%
HK$171,132
+HK$8,569/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,126/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,511 · Scale 2, in force from 26 Feb 2026)