LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,281
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,685
−HK$2,442/mo
Today · 4.125%
HK$82,127
baseline
▲ 0.50% · 4.625%
HK$87,124
+HK$4,997/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,254/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,974
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,280
−HK$2,339/mo
Today · 4.125%
HK$90,619
baseline
▲ 0.50% · 4.625%
HK$95,396
+HK$4,777/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,238/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,737
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,622
−HK$2,930/mo
Today · 4.125%
HK$98,552
baseline
▲ 0.50% · 4.625%
HK$104,549
+HK$5,997/mo
Deposit HK$13.56M · loan HK$20.33M · min. income ≈ HK$197,104/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,169
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,936
−HK$2,807/mo
Today · 4.125%
HK$108,743
baseline
▲ 0.50% · 4.625%
HK$114,475
+HK$5,732/mo
Deposit HK$13.56M · loan HK$20.33M · min. income ≈ HK$217,486/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,193
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,559
−HK$3,419/mo
Today · 4.125%
HK$114,978
baseline
▲ 0.50% · 4.625%
HK$121,974
+HK$6,996/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$229,956/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,364
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,592
−HK$3,275/mo
Today · 4.125%
HK$126,867
baseline
▲ 0.50% · 4.625%
HK$133,554
+HK$6,687/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$253,734/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,105
−HK$8,724/mo
▼ 0.25% · 3.875%
HK$143,432
−HK$4,397/mo
Today · 4.125%
HK$147,829
baseline
▲ 0.50% · 4.625%
HK$156,824
+HK$8,995/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,658/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,753
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$158,904
−HK$4,210/mo
Today · 4.125%
HK$163,114
baseline
▲ 0.50% · 4.625%
HK$171,712
+HK$8,598/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,228/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,380 · Scale 2, in force from 26 Feb 2026)