LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,156
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,556
−HK$2,438/mo
Today · 4.125%
HK$81,994
baseline
▲ 0.50% · 4.625%
HK$86,983
+HK$4,989/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$163,988/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,835
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,137
−HK$2,335/mo
Today · 4.125%
HK$90,472
baseline
▲ 0.50% · 4.625%
HK$95,241
+HK$4,769/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,944/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,587
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,467
−HK$2,926/mo
Today · 4.125%
HK$98,393
baseline
▲ 0.50% · 4.625%
HK$104,380
+HK$5,987/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$196,786/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,002
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,764
−HK$2,803/mo
Today · 4.125%
HK$108,567
baseline
▲ 0.50% · 4.625%
HK$114,289
+HK$5,722/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$217,134/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,018
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,378
−HK$3,414/mo
Today · 4.125%
HK$114,792
baseline
▲ 0.50% · 4.625%
HK$121,776
+HK$6,984/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,584/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,169
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,392
−HK$3,269/mo
Today · 4.125%
HK$126,661
baseline
▲ 0.50% · 4.625%
HK$133,338
+HK$6,677/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,322/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,880
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$143,200
−HK$4,389/mo
Today · 4.125%
HK$147,589
baseline
▲ 0.50% · 4.625%
HK$156,570
+HK$8,981/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$295,178/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,503
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$158,646
−HK$4,204/mo
Today · 4.125%
HK$162,850
baseline
▲ 0.50% · 4.625%
HK$171,434
+HK$8,584/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$325,700/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,046 · Scale 2, in force from 26 Feb 2026)