LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,118
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,517
−HK$2,437/mo
Today · 4.125%
HK$81,954
baseline
▲ 0.50% · 4.625%
HK$86,941
+HK$4,987/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,908/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,793
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,094
−HK$2,334/mo
Today · 4.125%
HK$90,428
baseline
▲ 0.50% · 4.625%
HK$95,195
+HK$4,767/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,856/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,542
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,420
−HK$2,925/mo
Today · 4.125%
HK$98,345
baseline
▲ 0.50% · 4.625%
HK$104,329
+HK$5,984/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,690/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,952
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,713
−HK$2,801/mo
Today · 4.125%
HK$108,514
baseline
▲ 0.50% · 4.625%
HK$114,234
+HK$5,720/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,028/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,965
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,324
−HK$3,412/mo
Today · 4.125%
HK$114,736
baseline
▲ 0.50% · 4.625%
HK$121,717
+HK$6,981/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$229,472/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,110
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,332
−HK$3,268/mo
Today · 4.125%
HK$126,600
baseline
▲ 0.50% · 4.625%
HK$133,273
+HK$6,673/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$253,200/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,813
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$143,131
−HK$4,386/mo
Today · 4.125%
HK$147,517
baseline
▲ 0.50% · 4.625%
HK$156,494
+HK$8,977/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,034/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,428
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$158,569
−HK$4,202/mo
Today · 4.125%
HK$162,771
baseline
▲ 0.50% · 4.625%
HK$171,351
+HK$8,580/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,542/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,348 · Scale 2, in force from 26 Feb 2026)