LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,046
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,443
−HK$2,434/mo
Today · 4.125%
HK$81,877
baseline
▲ 0.50% · 4.625%
HK$86,859
+HK$4,982/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,754/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,436,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,713
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,012
−HK$2,332/mo
Today · 4.125%
HK$90,344
baseline
▲ 0.50% · 4.625%
HK$95,106
+HK$4,762/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,688/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,436,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,455
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,331
−HK$2,922/mo
Today · 4.125%
HK$98,253
baseline
▲ 0.50% · 4.625%
HK$104,231
+HK$5,978/mo
Deposit HK$13.52M · loan HK$20.27M · min. income ≈ HK$196,506/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,436,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,855
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,614
−HK$2,798/mo
Today · 4.125%
HK$108,412
baseline
▲ 0.50% · 4.625%
HK$114,127
+HK$5,715/mo
Deposit HK$13.52M · loan HK$20.27M · min. income ≈ HK$216,824/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,436,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,864
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$111,220
−HK$3,408/mo
Today · 4.125%
HK$114,628
baseline
▲ 0.50% · 4.625%
HK$121,603
+HK$6,975/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$229,256/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,436,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,998
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,216
−HK$3,265/mo
Today · 4.125%
HK$126,481
baseline
▲ 0.50% · 4.625%
HK$133,148
+HK$6,667/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$252,962/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,436,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,683
−HK$8,696/mo
▼ 0.25% · 3.875%
HK$142,997
−HK$4,382/mo
Today · 4.125%
HK$147,379
baseline
▲ 0.50% · 4.625%
HK$156,347
+HK$8,968/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$294,758/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,436,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,283
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$158,421
−HK$4,198/mo
Today · 4.125%
HK$162,619
baseline
▲ 0.50% · 4.625%
HK$171,190
+HK$8,571/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$325,238/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,436,003 · Scale 2, in force from 26 Feb 2026)