LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,102
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,500
−HK$2,437/mo
Today · 4.125%
HK$81,937
baseline
▲ 0.50% · 4.625%
HK$86,923
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,874/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,775
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,076
−HK$2,333/mo
Today · 4.125%
HK$90,409
baseline
▲ 0.50% · 4.625%
HK$95,175
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,818/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,522
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,400
−HK$2,924/mo
Today · 4.125%
HK$98,324
baseline
▲ 0.50% · 4.625%
HK$104,307
+HK$5,983/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,648/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,930
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,691
−HK$2,800/mo
Today · 4.125%
HK$108,491
baseline
▲ 0.50% · 4.625%
HK$114,210
+HK$5,719/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$216,982/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,943
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,300
−HK$3,412/mo
Today · 4.125%
HK$114,712
baseline
▲ 0.50% · 4.625%
HK$121,692
+HK$6,980/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,424/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,085
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,306
−HK$3,267/mo
Today · 4.125%
HK$126,573
baseline
▲ 0.50% · 4.625%
HK$133,245
+HK$6,672/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,146/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,784
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$143,101
−HK$4,386/mo
Today · 4.125%
HK$147,487
baseline
▲ 0.50% · 4.625%
HK$156,461
+HK$8,974/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,974/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,395
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$158,536
−HK$4,201/mo
Today · 4.125%
HK$162,737
baseline
▲ 0.50% · 4.625%
HK$171,315
+HK$8,578/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,474/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,047 · Scale 2, in force from 26 Feb 2026)