LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,096
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,494
−HK$2,437/mo
Today · 4.125%
HK$81,931
baseline
▲ 0.50% · 4.625%
HK$86,916
+HK$4,985/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,862/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,768
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,069
−HK$2,333/mo
Today · 4.125%
HK$90,402
baseline
▲ 0.50% · 4.625%
HK$95,168
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,804/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,515
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,393
−HK$2,924/mo
Today · 4.125%
HK$98,317
baseline
▲ 0.50% · 4.625%
HK$104,299
+HK$5,982/mo
Deposit HK$13.52M · loan HK$20.29M · min. income ≈ HK$196,634/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,922
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,683
−HK$2,800/mo
Today · 4.125%
HK$108,483
baseline
▲ 0.50% · 4.625%
HK$114,201
+HK$5,718/mo
Deposit HK$13.52M · loan HK$20.29M · min. income ≈ HK$216,966/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,934
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,292
−HK$3,411/mo
Today · 4.125%
HK$114,703
baseline
▲ 0.50% · 4.625%
HK$121,682
+HK$6,979/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,406/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,076
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,296
−HK$3,267/mo
Today · 4.125%
HK$126,563
baseline
▲ 0.50% · 4.625%
HK$133,235
+HK$6,672/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,126/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,773
−HK$8,702/mo
▼ 0.25% · 3.875%
HK$143,089
−HK$4,386/mo
Today · 4.125%
HK$147,475
baseline
▲ 0.50% · 4.625%
HK$156,449
+HK$8,974/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,950/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,383
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$158,524
−HK$4,200/mo
Today · 4.125%
HK$162,724
baseline
▲ 0.50% · 4.625%
HK$171,302
+HK$8,578/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,448/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,935 · Scale 2, in force from 26 Feb 2026)