LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,290
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,695
−HK$2,442/mo
Today · 4.125%
HK$82,137
baseline
▲ 0.50% · 4.625%
HK$87,135
+HK$4,998/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,274/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,985
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,291
−HK$2,339/mo
Today · 4.125%
HK$90,630
baseline
▲ 0.50% · 4.625%
HK$95,408
+HK$4,778/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,260/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,748
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,633
−HK$2,932/mo
Today · 4.125%
HK$98,565
baseline
▲ 0.50% · 4.625%
HK$104,562
+HK$5,997/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,130/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,182
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,949
−HK$2,807/mo
Today · 4.125%
HK$108,756
baseline
▲ 0.50% · 4.625%
HK$114,489
+HK$5,733/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,512/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,207
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,572
−HK$3,420/mo
Today · 4.125%
HK$114,992
baseline
▲ 0.50% · 4.625%
HK$121,989
+HK$6,997/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$229,984/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,379
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,607
−HK$3,275/mo
Today · 4.125%
HK$126,882
baseline
▲ 0.50% · 4.625%
HK$133,571
+HK$6,689/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,764/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,123
−HK$8,724/mo
▼ 0.25% · 3.875%
HK$143,450
−HK$4,397/mo
Today · 4.125%
HK$147,847
baseline
▲ 0.50% · 4.625%
HK$156,843
+HK$8,996/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,694/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,773
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$158,924
−HK$4,211/mo
Today · 4.125%
HK$163,135
baseline
▲ 0.50% · 4.625%
HK$171,734
+HK$8,599/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,270/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,559 · Scale 2, in force from 26 Feb 2026)