LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,172
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,573
−HK$2,439/mo
Today · 4.125%
HK$82,012
baseline
▲ 0.50% · 4.625%
HK$87,002
+HK$4,990/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$164,024/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,853
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,156
−HK$2,336/mo
Today · 4.125%
HK$90,492
baseline
▲ 0.50% · 4.625%
HK$95,262
+HK$4,770/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,984/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,607
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,487
−HK$2,927/mo
Today · 4.125%
HK$98,414
baseline
▲ 0.50% · 4.625%
HK$104,402
+HK$5,988/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,828/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,024
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,787
−HK$2,803/mo
Today · 4.125%
HK$108,590
baseline
▲ 0.50% · 4.625%
HK$114,314
+HK$5,724/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,180/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,041
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,402
−HK$3,414/mo
Today · 4.125%
HK$114,816
baseline
▲ 0.50% · 4.625%
HK$121,802
+HK$6,986/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,632/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,195
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,418
−HK$3,270/mo
Today · 4.125%
HK$126,688
baseline
▲ 0.50% · 4.625%
HK$133,366
+HK$6,678/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,376/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,910
−HK$8,711/mo
▼ 0.25% · 3.875%
HK$143,231
−HK$4,390/mo
Today · 4.125%
HK$147,621
baseline
▲ 0.50% · 4.625%
HK$156,603
+HK$8,982/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$295,242/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,536
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$158,680
−HK$4,205/mo
Today · 4.125%
HK$162,885
baseline
▲ 0.50% · 4.625%
HK$171,471
+HK$8,586/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$325,770/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,355 · Scale 2, in force from 26 Feb 2026)