LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,150
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,550
−HK$2,438/mo
Today · 4.125%
HK$81,988
baseline
▲ 0.50% · 4.625%
HK$86,977
+HK$4,989/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$163,976/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,829
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,131
−HK$2,335/mo
Today · 4.125%
HK$90,466
baseline
▲ 0.50% · 4.625%
HK$95,235
+HK$4,769/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,932/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,580
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,460
−HK$2,926/mo
Today · 4.125%
HK$98,386
baseline
▲ 0.50% · 4.625%
HK$104,373
+HK$5,987/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$196,772/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,995
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,757
−HK$2,802/mo
Today · 4.125%
HK$108,559
baseline
▲ 0.50% · 4.625%
HK$114,282
+HK$5,723/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$217,118/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,010
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,370
−HK$3,414/mo
Today · 4.125%
HK$114,784
baseline
▲ 0.50% · 4.625%
HK$121,768
+HK$6,984/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$229,568/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,161
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,383
−HK$3,269/mo
Today · 4.125%
HK$126,652
baseline
▲ 0.50% · 4.625%
HK$133,329
+HK$6,677/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$253,304/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,871
−HK$8,708/mo
▼ 0.25% · 3.875%
HK$143,190
−HK$4,389/mo
Today · 4.125%
HK$147,579
baseline
▲ 0.50% · 4.625%
HK$156,559
+HK$8,980/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$295,158/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,492
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$158,636
−HK$4,203/mo
Today · 4.125%
HK$162,839
baseline
▲ 0.50% · 4.625%
HK$171,422
+HK$8,583/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$325,678/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,948 · Scale 2, in force from 26 Feb 2026)