LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,022
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,418
−HK$2,434/mo
Today · 4.125%
HK$81,852
baseline
▲ 0.50% · 4.625%
HK$86,833
+HK$4,981/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,704/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,686
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,985
−HK$2,331/mo
Today · 4.125%
HK$90,316
baseline
▲ 0.50% · 4.625%
HK$95,077
+HK$4,761/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,632/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,427
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,302
−HK$2,921/mo
Today · 4.125%
HK$98,223
baseline
▲ 0.50% · 4.625%
HK$104,199
+HK$5,976/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,446/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,824
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,581
−HK$2,798/mo
Today · 4.125%
HK$108,379
baseline
▲ 0.50% · 4.625%
HK$114,092
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,758/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,831
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,185
−HK$3,408/mo
Today · 4.125%
HK$114,593
baseline
▲ 0.50% · 4.625%
HK$121,566
+HK$6,973/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,186/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,961
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,178
−HK$3,264/mo
Today · 4.125%
HK$126,442
baseline
▲ 0.50% · 4.625%
HK$133,107
+HK$6,665/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,884/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,640
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$142,953
−HK$4,381/mo
Today · 4.125%
HK$147,334
baseline
▲ 0.50% · 4.625%
HK$156,299
+HK$8,965/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,668/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,236
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$158,372
−HK$4,197/mo
Today · 4.125%
HK$162,569
baseline
▲ 0.50% · 4.625%
HK$171,138
+HK$8,569/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,138/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,561 · Scale 2, in force from 26 Feb 2026)