LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,137
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,537
−HK$2,437/mo
Today · 4.125%
HK$81,974
baseline
▲ 0.50% · 4.625%
HK$86,962
+HK$4,988/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,948/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,814
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,116
−HK$2,335/mo
Today · 4.125%
HK$90,451
baseline
▲ 0.50% · 4.625%
HK$95,219
+HK$4,768/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,902/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,565
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,444
−HK$2,925/mo
Today · 4.125%
HK$98,369
baseline
▲ 0.50% · 4.625%
HK$104,355
+HK$5,986/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$196,738/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,977
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,739
−HK$2,802/mo
Today · 4.125%
HK$108,541
baseline
▲ 0.50% · 4.625%
HK$114,262
+HK$5,721/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$217,082/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,992
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$111,351
−HK$3,413/mo
Today · 4.125%
HK$114,764
baseline
▲ 0.50% · 4.625%
HK$121,747
+HK$6,983/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$229,528/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,140
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,362
−HK$3,269/mo
Today · 4.125%
HK$126,631
baseline
▲ 0.50% · 4.625%
HK$133,306
+HK$6,675/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$253,262/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,847
−HK$8,707/mo
▼ 0.25% · 3.875%
HK$143,166
−HK$4,388/mo
Today · 4.125%
HK$147,554
baseline
▲ 0.50% · 4.625%
HK$156,532
+HK$8,978/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$295,108/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,466
−HK$8,345/mo
▼ 0.25% · 3.875%
HK$158,609
−HK$4,202/mo
Today · 4.125%
HK$162,811
baseline
▲ 0.50% · 4.625%
HK$171,393
+HK$8,582/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$325,622/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,705 · Scale 2, in force from 26 Feb 2026)