LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,278
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,682
−HK$2,442/mo
Today · 4.125%
HK$82,124
baseline
▲ 0.50% · 4.625%
HK$87,122
+HK$4,998/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,248/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,971
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,277
−HK$2,339/mo
Today · 4.125%
HK$90,616
baseline
▲ 0.50% · 4.625%
HK$95,393
+HK$4,777/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,232/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,734
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,619
−HK$2,930/mo
Today · 4.125%
HK$98,549
baseline
▲ 0.50% · 4.625%
HK$104,546
+HK$5,997/mo
Deposit HK$13.56M · loan HK$20.33M · min. income ≈ HK$197,098/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,166
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,933
−HK$2,807/mo
Today · 4.125%
HK$108,740
baseline
▲ 0.50% · 4.625%
HK$114,471
+HK$5,731/mo
Deposit HK$13.56M · loan HK$20.33M · min. income ≈ HK$217,480/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,190
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,555
−HK$3,419/mo
Today · 4.125%
HK$114,974
baseline
▲ 0.50% · 4.625%
HK$121,970
+HK$6,996/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$229,948/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,360
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,588
−HK$3,275/mo
Today · 4.125%
HK$126,863
baseline
▲ 0.50% · 4.625%
HK$133,550
+HK$6,687/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$253,726/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,101
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$143,428
−HK$4,396/mo
Today · 4.125%
HK$147,824
baseline
▲ 0.50% · 4.625%
HK$156,819
+HK$8,995/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,648/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,749
−HK$8,360/mo
▼ 0.25% · 3.875%
HK$158,899
−HK$4,210/mo
Today · 4.125%
HK$163,109
baseline
▲ 0.50% · 4.625%
HK$171,707
+HK$8,598/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,218/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,336 · Scale 2, in force from 26 Feb 2026)