LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,056
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,452
−HK$2,436/mo
Today · 4.125%
HK$81,888
baseline
▲ 0.50% · 4.625%
HK$86,870
+HK$4,982/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,776/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,436,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,724
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,023
−HK$2,332/mo
Today · 4.125%
HK$90,355
baseline
▲ 0.50% · 4.625%
HK$95,118
+HK$4,763/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,710/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,436,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,467
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,343
−HK$2,922/mo
Today · 4.125%
HK$98,265
baseline
▲ 0.50% · 4.625%
HK$104,244
+HK$5,979/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,530/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,436,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,868
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,627
−HK$2,799/mo
Today · 4.125%
HK$108,426
baseline
▲ 0.50% · 4.625%
HK$114,141
+HK$5,715/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,852/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,436,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,878
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,233
−HK$3,410/mo
Today · 4.125%
HK$114,643
baseline
▲ 0.50% · 4.625%
HK$121,619
+HK$6,976/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$229,286/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,436,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,013
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,232
−HK$3,265/mo
Today · 4.125%
HK$126,497
baseline
▲ 0.50% · 4.625%
HK$133,165
+HK$6,668/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$252,994/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,436,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,700
−HK$8,698/mo
▼ 0.25% · 3.875%
HK$143,014
−HK$4,384/mo
Today · 4.125%
HK$147,398
baseline
▲ 0.50% · 4.625%
HK$156,367
+HK$8,969/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$294,796/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,303
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$158,441
−HK$4,198/mo
Today · 4.125%
HK$162,639
baseline
▲ 0.50% · 4.625%
HK$171,212
+HK$8,573/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$325,278/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,183 · Scale 2, in force from 26 Feb 2026)