LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,117
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,516
−HK$2,437/mo
Today · 4.125%
HK$81,953
baseline
▲ 0.50% · 4.625%
HK$86,939
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,906/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,792
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,093
−HK$2,334/mo
Today · 4.125%
HK$90,427
baseline
▲ 0.50% · 4.625%
HK$95,193
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,854/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,540
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,419
−HK$2,924/mo
Today · 4.125%
HK$98,343
baseline
▲ 0.50% · 4.625%
HK$104,327
+HK$5,984/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,686/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,950
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,711
−HK$2,801/mo
Today · 4.125%
HK$108,512
baseline
▲ 0.50% · 4.625%
HK$114,232
+HK$5,720/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,024/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,964
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,322
−HK$3,412/mo
Today · 4.125%
HK$114,734
baseline
▲ 0.50% · 4.625%
HK$121,715
+HK$6,981/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$229,468/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,109
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,330
−HK$3,268/mo
Today · 4.125%
HK$126,598
baseline
▲ 0.50% · 4.625%
HK$133,271
+HK$6,673/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$253,196/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,810
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,128
−HK$4,387/mo
Today · 4.125%
HK$147,515
baseline
▲ 0.50% · 4.625%
HK$156,491
+HK$8,976/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,030/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,425
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$158,567
−HK$4,201/mo
Today · 4.125%
HK$162,768
baseline
▲ 0.50% · 4.625%
HK$171,348
+HK$8,580/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,536/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,326 · Scale 2, in force from 26 Feb 2026)