LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,182
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,582
−HK$2,440/mo
Today · 4.125%
HK$82,022
baseline
▲ 0.50% · 4.625%
HK$87,012
+HK$4,990/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$164,044/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,864
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,167
−HK$2,336/mo
Today · 4.125%
HK$90,503
baseline
▲ 0.50% · 4.625%
HK$95,273
+HK$4,770/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$181,006/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,618
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,499
−HK$2,927/mo
Today · 4.125%
HK$98,426
baseline
▲ 0.50% · 4.625%
HK$104,415
+HK$5,989/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,852/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,037
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,800
−HK$2,803/mo
Today · 4.125%
HK$108,603
baseline
▲ 0.50% · 4.625%
HK$114,328
+HK$5,725/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,206/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,054
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,415
−HK$3,415/mo
Today · 4.125%
HK$114,830
baseline
▲ 0.50% · 4.625%
HK$121,817
+HK$6,987/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,660/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,209
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,433
−HK$3,271/mo
Today · 4.125%
HK$126,704
baseline
▲ 0.50% · 4.625%
HK$133,383
+HK$6,679/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,408/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,927
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$143,248
−HK$4,391/mo
Today · 4.125%
HK$147,639
baseline
▲ 0.50% · 4.625%
HK$156,622
+HK$8,983/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$295,278/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,555
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$158,700
−HK$4,205/mo
Today · 4.125%
HK$162,905
baseline
▲ 0.50% · 4.625%
HK$171,492
+HK$8,587/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$325,810/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,531 · Scale 2, in force from 26 Feb 2026)