LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,105
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,504
−HK$2,436/mo
Today · 4.125%
HK$81,940
baseline
▲ 0.50% · 4.625%
HK$86,926
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,880/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,779
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,079
−HK$2,334/mo
Today · 4.125%
HK$90,413
baseline
▲ 0.50% · 4.625%
HK$95,179
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,826/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,526
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,404
−HK$2,924/mo
Today · 4.125%
HK$98,328
baseline
▲ 0.50% · 4.625%
HK$104,312
+HK$5,984/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,656/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,935
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,695
−HK$2,801/mo
Today · 4.125%
HK$108,496
baseline
▲ 0.50% · 4.625%
HK$114,215
+HK$5,719/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$216,992/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,947
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,305
−HK$3,412/mo
Today · 4.125%
HK$114,717
baseline
▲ 0.50% · 4.625%
HK$121,697
+HK$6,980/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,434/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,090
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,311
−HK$3,267/mo
Today · 4.125%
HK$126,578
baseline
▲ 0.50% · 4.625%
HK$133,251
+HK$6,673/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,156/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,789
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$143,107
−HK$4,386/mo
Today · 4.125%
HK$147,493
baseline
▲ 0.50% · 4.625%
HK$156,467
+HK$8,974/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,986/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,402
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$158,543
−HK$4,201/mo
Today · 4.125%
HK$162,744
baseline
▲ 0.50% · 4.625%
HK$171,322
+HK$8,578/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,488/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,108 · Scale 2, in force from 26 Feb 2026)