LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,152
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,551
−HK$2,439/mo
Today · 4.125%
HK$81,990
baseline
▲ 0.50% · 4.625%
HK$86,979
+HK$4,989/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$163,980/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,437,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,830
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,132
−HK$2,336/mo
Today · 4.125%
HK$90,468
baseline
▲ 0.50% · 4.625%
HK$95,236
+HK$4,768/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,936/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,437,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,582
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,462
−HK$2,926/mo
Today · 4.125%
HK$98,388
baseline
▲ 0.50% · 4.625%
HK$104,374
+HK$5,986/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$196,776/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,996
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,759
−HK$2,802/mo
Today · 4.125%
HK$108,561
baseline
▲ 0.50% · 4.625%
HK$114,283
+HK$5,722/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$217,122/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,012
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,372
−HK$3,414/mo
Today · 4.125%
HK$114,786
baseline
▲ 0.50% · 4.625%
HK$121,770
+HK$6,984/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$229,572/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,162
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,385
−HK$3,270/mo
Today · 4.125%
HK$126,655
baseline
▲ 0.50% · 4.625%
HK$133,331
+HK$6,676/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$253,310/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,873
−HK$8,708/mo
▼ 0.25% · 3.875%
HK$143,193
−HK$4,388/mo
Today · 4.125%
HK$147,581
baseline
▲ 0.50% · 4.625%
HK$156,561
+HK$8,980/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$295,162/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,495
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$158,638
−HK$4,204/mo
Today · 4.125%
HK$162,842
baseline
▲ 0.50% · 4.625%
HK$171,425
+HK$8,583/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$325,684/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,971 · Scale 2, in force from 26 Feb 2026)