LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,044
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,440
−HK$2,435/mo
Today · 4.125%
HK$81,875
baseline
▲ 0.50% · 4.625%
HK$86,857
+HK$4,982/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,750/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,710
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,009
−HK$2,332/mo
Today · 4.125%
HK$90,341
baseline
▲ 0.50% · 4.625%
HK$95,103
+HK$4,762/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,682/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,452
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,328
−HK$2,922/mo
Today · 4.125%
HK$98,250
baseline
▲ 0.50% · 4.625%
HK$104,228
+HK$5,978/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,500/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,852
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,611
−HK$2,798/mo
Today · 4.125%
HK$108,409
baseline
▲ 0.50% · 4.625%
HK$114,123
+HK$5,714/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,818/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,861
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$111,216
−HK$3,409/mo
Today · 4.125%
HK$114,625
baseline
▲ 0.50% · 4.625%
HK$121,600
+HK$6,975/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$229,250/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,994
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,213
−HK$3,264/mo
Today · 4.125%
HK$126,477
baseline
▲ 0.50% · 4.625%
HK$133,144
+HK$6,667/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$252,954/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,679
−HK$8,696/mo
▼ 0.25% · 3.875%
HK$142,992
−HK$4,383/mo
Today · 4.125%
HK$147,375
baseline
▲ 0.50% · 4.625%
HK$156,342
+HK$8,967/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$294,750/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,278
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$158,416
−HK$4,198/mo
Today · 4.125%
HK$162,614
baseline
▲ 0.50% · 4.625%
HK$171,185
+HK$8,571/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$325,228/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,959 · Scale 2, in force from 26 Feb 2026)