LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,189
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,590
−HK$2,439/mo
Today · 4.125%
HK$82,029
baseline
▲ 0.50% · 4.625%
HK$87,021
+HK$4,992/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,058/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,872
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,175
−HK$2,336/mo
Today · 4.125%
HK$90,511
baseline
▲ 0.50% · 4.625%
HK$95,282
+HK$4,771/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,022/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,627
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,508
−HK$2,927/mo
Today · 4.125%
HK$98,435
baseline
▲ 0.50% · 4.625%
HK$104,425
+HK$5,990/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,870/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,046
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,810
−HK$2,803/mo
Today · 4.125%
HK$108,613
baseline
▲ 0.50% · 4.625%
HK$114,339
+HK$5,726/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,226/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,064
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$111,426
−HK$3,415/mo
Today · 4.125%
HK$114,841
baseline
▲ 0.50% · 4.625%
HK$121,829
+HK$6,988/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$229,682/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,221
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,445
−HK$3,271/mo
Today · 4.125%
HK$126,716
baseline
▲ 0.50% · 4.625%
HK$133,395
+HK$6,679/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$253,432/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,940
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$143,262
−HK$4,391/mo
Today · 4.125%
HK$147,653
baseline
▲ 0.50% · 4.625%
HK$156,637
+HK$8,984/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$295,306/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,569
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$158,715
−HK$4,205/mo
Today · 4.125%
HK$162,920
baseline
▲ 0.50% · 4.625%
HK$171,508
+HK$8,588/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$325,840/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,666 · Scale 2, in force from 26 Feb 2026)