LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,186
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,587
−HK$2,439/mo
Today · 4.125%
HK$82,026
baseline
▲ 0.50% · 4.625%
HK$87,017
+HK$4,991/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$164,052/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,868
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,171
−HK$2,337/mo
Today · 4.125%
HK$90,508
baseline
▲ 0.50% · 4.625%
HK$95,278
+HK$4,770/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$181,016/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,623
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,504
−HK$2,927/mo
Today · 4.125%
HK$98,431
baseline
▲ 0.50% · 4.625%
HK$104,420
+HK$5,989/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,862/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,042
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,806
−HK$2,803/mo
Today · 4.125%
HK$108,609
baseline
▲ 0.50% · 4.625%
HK$114,334
+HK$5,725/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,218/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,060
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,421
−HK$3,415/mo
Today · 4.125%
HK$114,836
baseline
▲ 0.50% · 4.625%
HK$121,824
+HK$6,988/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,672/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,216
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,440
−HK$3,271/mo
Today · 4.125%
HK$126,711
baseline
▲ 0.50% · 4.625%
HK$133,390
+HK$6,679/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,422/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,934
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$143,256
−HK$4,391/mo
Today · 4.125%
HK$147,647
baseline
▲ 0.50% · 4.625%
HK$156,631
+HK$8,984/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$295,294/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,563
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$158,708
−HK$4,206/mo
Today · 4.125%
HK$162,914
baseline
▲ 0.50% · 4.625%
HK$171,501
+HK$8,587/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$325,828/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,607 · Scale 2, in force from 26 Feb 2026)