LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,112
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,511
−HK$2,437/mo
Today · 4.125%
HK$81,948
baseline
▲ 0.50% · 4.625%
HK$86,934
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,896/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,786
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,087
−HK$2,334/mo
Today · 4.125%
HK$90,421
baseline
▲ 0.50% · 4.625%
HK$95,187
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,842/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,534
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,413
−HK$2,924/mo
Today · 4.125%
HK$98,337
baseline
▲ 0.50% · 4.625%
HK$104,321
+HK$5,984/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,674/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,944
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,704
−HK$2,801/mo
Today · 4.125%
HK$108,505
baseline
▲ 0.50% · 4.625%
HK$114,225
+HK$5,720/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,010/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,957
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,315
−HK$3,412/mo
Today · 4.125%
HK$114,727
baseline
▲ 0.50% · 4.625%
HK$121,707
+HK$6,980/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$229,454/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,101
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,322
−HK$3,267/mo
Today · 4.125%
HK$126,589
baseline
▲ 0.50% · 4.625%
HK$133,262
+HK$6,673/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$253,178/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,802
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$143,119
−HK$4,387/mo
Today · 4.125%
HK$147,506
baseline
▲ 0.50% · 4.625%
HK$156,481
+HK$8,975/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,012/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,415
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$158,557
−HK$4,201/mo
Today · 4.125%
HK$162,758
baseline
▲ 0.50% · 4.625%
HK$171,337
+HK$8,579/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,516/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,233 · Scale 2, in force from 26 Feb 2026)