LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,099
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,497
−HK$2,436/mo
Today · 4.125%
HK$81,933
baseline
▲ 0.50% · 4.625%
HK$86,919
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,866/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,771
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,072
−HK$2,333/mo
Today · 4.125%
HK$90,405
baseline
▲ 0.50% · 4.625%
HK$95,171
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,810/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,518
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,396
−HK$2,924/mo
Today · 4.125%
HK$98,320
baseline
▲ 0.50% · 4.625%
HK$104,303
+HK$5,983/mo
Deposit HK$13.52M · loan HK$20.29M · min. income ≈ HK$196,640/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,926
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,686
−HK$2,801/mo
Today · 4.125%
HK$108,487
baseline
▲ 0.50% · 4.625%
HK$114,205
+HK$5,718/mo
Deposit HK$13.52M · loan HK$20.29M · min. income ≈ HK$216,974/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,938
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,296
−HK$3,411/mo
Today · 4.125%
HK$114,707
baseline
▲ 0.50% · 4.625%
HK$121,686
+HK$6,979/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,414/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,080
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,301
−HK$3,267/mo
Today · 4.125%
HK$126,568
baseline
▲ 0.50% · 4.625%
HK$133,239
+HK$6,671/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,136/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,778
−HK$8,702/mo
▼ 0.25% · 3.875%
HK$143,094
−HK$4,386/mo
Today · 4.125%
HK$147,480
baseline
▲ 0.50% · 4.625%
HK$156,454
+HK$8,974/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,960/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,389
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$158,529
−HK$4,201/mo
Today · 4.125%
HK$162,730
baseline
▲ 0.50% · 4.625%
HK$171,308
+HK$8,578/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,460/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,985 · Scale 2, in force from 26 Feb 2026)