LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,103
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,501
−HK$2,437/mo
Today · 4.125%
HK$81,938
baseline
▲ 0.50% · 4.625%
HK$86,923
+HK$4,985/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,876/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,776
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,076
−HK$2,334/mo
Today · 4.125%
HK$90,410
baseline
▲ 0.50% · 4.625%
HK$95,176
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,820/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,523
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,401
−HK$2,924/mo
Today · 4.125%
HK$98,325
baseline
▲ 0.50% · 4.625%
HK$104,308
+HK$5,983/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,650/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,931
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,692
−HK$2,800/mo
Today · 4.125%
HK$108,492
baseline
▲ 0.50% · 4.625%
HK$114,211
+HK$5,719/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$216,984/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,944
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,301
−HK$3,412/mo
Today · 4.125%
HK$114,713
baseline
▲ 0.50% · 4.625%
HK$121,693
+HK$6,980/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,426/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,086
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,307
−HK$3,267/mo
Today · 4.125%
HK$126,574
baseline
▲ 0.50% · 4.625%
HK$133,246
+HK$6,672/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,148/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,785
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$143,102
−HK$4,386/mo
Today · 4.125%
HK$147,488
baseline
▲ 0.50% · 4.625%
HK$156,462
+HK$8,974/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,976/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,397
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$158,538
−HK$4,200/mo
Today · 4.125%
HK$162,738
baseline
▲ 0.50% · 4.625%
HK$171,317
+HK$8,579/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,476/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,061 · Scale 2, in force from 26 Feb 2026)