LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,119
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,517
−HK$2,438/mo
Today · 4.125%
HK$81,955
baseline
▲ 0.50% · 4.625%
HK$86,941
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,910/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,794
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,095
−HK$2,334/mo
Today · 4.125%
HK$90,429
baseline
▲ 0.50% · 4.625%
HK$95,195
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,858/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,542
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,421
−HK$2,924/mo
Today · 4.125%
HK$98,345
baseline
▲ 0.50% · 4.625%
HK$104,330
+HK$5,985/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$1,437,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,952
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,713
−HK$2,802/mo
Today · 4.125%
HK$108,515
baseline
▲ 0.50% · 4.625%
HK$114,234
+HK$5,719/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,030/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,966
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,324
−HK$3,412/mo
Today · 4.125%
HK$114,736
baseline
▲ 0.50% · 4.625%
HK$121,718
+HK$6,982/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$1,437,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,111
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,332
−HK$3,268/mo
Today · 4.125%
HK$126,600
baseline
▲ 0.50% · 4.625%
HK$133,274
+HK$6,674/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$1,437,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,813
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,131
−HK$4,387/mo
Today · 4.125%
HK$147,518
baseline
▲ 0.50% · 4.625%
HK$156,494
+HK$8,976/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,036/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,428
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$158,570
−HK$4,202/mo
Today · 4.125%
HK$162,772
baseline
▲ 0.50% · 4.625%
HK$171,352
+HK$8,580/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,544/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,355 · Scale 2, in force from 26 Feb 2026)