LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,028
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,424
−HK$2,434/mo
Today · 4.125%
HK$81,858
baseline
▲ 0.50% · 4.625%
HK$86,839
+HK$4,981/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,716/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,693
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,991
−HK$2,332/mo
Today · 4.125%
HK$90,323
baseline
▲ 0.50% · 4.625%
HK$95,084
+HK$4,761/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,646/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,434
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,309
−HK$2,921/mo
Today · 4.125%
HK$98,230
baseline
▲ 0.50% · 4.625%
HK$104,207
+HK$5,977/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,460/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,831
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,589
−HK$2,798/mo
Today · 4.125%
HK$108,387
baseline
▲ 0.50% · 4.625%
HK$114,100
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,774/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,839
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,194
−HK$3,408/mo
Today · 4.125%
HK$114,602
baseline
▲ 0.50% · 4.625%
HK$121,575
+HK$6,973/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$229,204/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,970
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,188
−HK$3,264/mo
Today · 4.125%
HK$126,452
baseline
▲ 0.50% · 4.625%
HK$133,117
+HK$6,665/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$252,904/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,650
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$142,963
−HK$4,382/mo
Today · 4.125%
HK$147,345
baseline
▲ 0.50% · 4.625%
HK$156,311
+HK$8,966/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,690/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,247
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$158,384
−HK$4,197/mo
Today · 4.125%
HK$162,581
baseline
▲ 0.50% · 4.625%
HK$171,151
+HK$8,570/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,162/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,668 · Scale 2, in force from 26 Feb 2026)