LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,027
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,423
−HK$2,434/mo
Today · 4.125%
HK$81,857
baseline
▲ 0.50% · 4.625%
HK$86,838
+HK$4,981/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,714/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,692
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,990
−HK$2,332/mo
Today · 4.125%
HK$90,322
baseline
▲ 0.50% · 4.625%
HK$95,083
+HK$4,761/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,644/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,433
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,308
−HK$2,921/mo
Today · 4.125%
HK$98,229
baseline
▲ 0.50% · 4.625%
HK$104,206
+HK$5,977/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,458/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,830
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,588
−HK$2,798/mo
Today · 4.125%
HK$108,386
baseline
▲ 0.50% · 4.625%
HK$114,099
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,772/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,838
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,192
−HK$3,408/mo
Today · 4.125%
HK$114,600
baseline
▲ 0.50% · 4.625%
HK$121,574
+HK$6,974/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$229,200/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,969
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,186
−HK$3,264/mo
Today · 4.125%
HK$126,450
baseline
▲ 0.50% · 4.625%
HK$133,116
+HK$6,666/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$252,900/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,649
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$142,962
−HK$4,381/mo
Today · 4.125%
HK$147,343
baseline
▲ 0.50% · 4.625%
HK$156,309
+HK$8,966/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,686/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,246
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$158,382
−HK$4,197/mo
Today · 4.125%
HK$162,579
baseline
▲ 0.50% · 4.625%
HK$171,149
+HK$8,570/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,158/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,653 · Scale 2, in force from 26 Feb 2026)