LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,120
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,519
−HK$2,437/mo
Today · 4.125%
HK$81,956
baseline
▲ 0.50% · 4.625%
HK$86,943
+HK$4,987/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,912/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,795
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,096
−HK$2,335/mo
Today · 4.125%
HK$90,431
baseline
▲ 0.50% · 4.625%
HK$95,197
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,862/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,544
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,423
−HK$2,924/mo
Today · 4.125%
HK$98,347
baseline
▲ 0.50% · 4.625%
HK$104,332
+HK$5,985/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,694/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,954
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,716
−HK$2,801/mo
Today · 4.125%
HK$108,517
baseline
▲ 0.50% · 4.625%
HK$114,237
+HK$5,720/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,034/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,968
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,327
−HK$3,412/mo
Today · 4.125%
HK$114,739
baseline
▲ 0.50% · 4.625%
HK$121,720
+HK$6,981/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$229,478/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,113
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,335
−HK$3,268/mo
Today · 4.125%
HK$126,603
baseline
▲ 0.50% · 4.625%
HK$133,276
+HK$6,673/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$253,206/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,816
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,134
−HK$4,387/mo
Today · 4.125%
HK$147,521
baseline
▲ 0.50% · 4.625%
HK$156,498
+HK$8,977/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,042/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,432
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$158,573
−HK$4,202/mo
Today · 4.125%
HK$162,775
baseline
▲ 0.50% · 4.625%
HK$171,355
+HK$8,580/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,550/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,385 · Scale 2, in force from 26 Feb 2026)