LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,121
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,520
−HK$2,437/mo
Today · 4.125%
HK$81,957
baseline
▲ 0.50% · 4.625%
HK$86,944
+HK$4,987/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,914/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,797
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,098
−HK$2,334/mo
Today · 4.125%
HK$90,432
baseline
▲ 0.50% · 4.625%
HK$95,199
+HK$4,767/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,864/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,545
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,424
−HK$2,925/mo
Today · 4.125%
HK$98,349
baseline
▲ 0.50% · 4.625%
HK$104,333
+HK$5,984/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,698/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,956
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,717
−HK$2,801/mo
Today · 4.125%
HK$108,518
baseline
▲ 0.50% · 4.625%
HK$114,238
+HK$5,720/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,036/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,970
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,328
−HK$3,412/mo
Today · 4.125%
HK$114,740
baseline
▲ 0.50% · 4.625%
HK$121,722
+HK$6,982/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$229,480/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,115
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,337
−HK$3,268/mo
Today · 4.125%
HK$126,605
baseline
▲ 0.50% · 4.625%
HK$133,278
+HK$6,673/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$253,210/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,818
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,136
−HK$4,387/mo
Today · 4.125%
HK$147,523
baseline
▲ 0.50% · 4.625%
HK$156,500
+HK$8,977/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,046/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,434
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$158,576
−HK$4,201/mo
Today · 4.125%
HK$162,777
baseline
▲ 0.50% · 4.625%
HK$171,358
+HK$8,581/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,554/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,405 · Scale 2, in force from 26 Feb 2026)