LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,109
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,507
−HK$2,437/mo
Today · 4.125%
HK$81,944
baseline
▲ 0.50% · 4.625%
HK$86,930
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,888/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,783
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,083
−HK$2,334/mo
Today · 4.125%
HK$90,417
baseline
▲ 0.50% · 4.625%
HK$95,183
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,834/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,530
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,409
−HK$2,924/mo
Today · 4.125%
HK$98,333
baseline
▲ 0.50% · 4.625%
HK$104,316
+HK$5,983/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,666/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,939
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,700
−HK$2,801/mo
Today · 4.125%
HK$108,501
baseline
▲ 0.50% · 4.625%
HK$114,220
+HK$5,719/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,002/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,952
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,310
−HK$3,412/mo
Today · 4.125%
HK$114,722
baseline
▲ 0.50% · 4.625%
HK$121,702
+HK$6,980/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,444/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,096
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,316
−HK$3,268/mo
Today · 4.125%
HK$126,584
baseline
▲ 0.50% · 4.625%
HK$133,256
+HK$6,672/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,168/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,795
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$143,113
−HK$4,386/mo
Today · 4.125%
HK$147,499
baseline
▲ 0.50% · 4.625%
HK$156,474
+HK$8,975/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,998/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,409
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$158,550
−HK$4,201/mo
Today · 4.125%
HK$162,751
baseline
▲ 0.50% · 4.625%
HK$171,330
+HK$8,579/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,502/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,170 · Scale 2, in force from 26 Feb 2026)