LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,125
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,524
−HK$2,437/mo
Today · 4.125%
HK$81,961
baseline
▲ 0.50% · 4.625%
HK$86,948
+HK$4,987/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,922/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,801
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,102
−HK$2,334/mo
Today · 4.125%
HK$90,436
baseline
▲ 0.50% · 4.625%
HK$95,203
+HK$4,767/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,872/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,550
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,429
−HK$2,924/mo
Today · 4.125%
HK$98,353
baseline
▲ 0.50% · 4.625%
HK$104,338
+HK$5,985/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,706/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,961
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,722
−HK$2,801/mo
Today · 4.125%
HK$108,523
baseline
▲ 0.50% · 4.625%
HK$114,244
+HK$5,721/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,046/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,975
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,333
−HK$3,413/mo
Today · 4.125%
HK$114,746
baseline
▲ 0.50% · 4.625%
HK$121,728
+HK$6,982/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$229,492/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,121
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,342
−HK$3,268/mo
Today · 4.125%
HK$126,610
baseline
▲ 0.50% · 4.625%
HK$133,284
+HK$6,674/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$253,220/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,825
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,143
−HK$4,387/mo
Today · 4.125%
HK$147,530
baseline
▲ 0.50% · 4.625%
HK$156,507
+HK$8,977/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,060/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,441
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$158,583
−HK$4,202/mo
Today · 4.125%
HK$162,785
baseline
▲ 0.50% · 4.625%
HK$171,365
+HK$8,580/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,570/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,471 · Scale 2, in force from 26 Feb 2026)