LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,298
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,702
−HK$2,443/mo
Today · 4.125%
HK$82,145
baseline
▲ 0.50% · 4.625%
HK$87,143
+HK$4,998/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,290/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,993
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,299
−HK$2,340/mo
Today · 4.125%
HK$90,639
baseline
▲ 0.50% · 4.625%
HK$95,417
+HK$4,778/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,278/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,757
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,643
−HK$2,931/mo
Today · 4.125%
HK$98,574
baseline
▲ 0.50% · 4.625%
HK$104,572
+HK$5,998/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,148/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,192
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,959
−HK$2,808/mo
Today · 4.125%
HK$108,767
baseline
▲ 0.50% · 4.625%
HK$114,500
+HK$5,733/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,534/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,217
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,583
−HK$3,420/mo
Today · 4.125%
HK$115,003
baseline
▲ 0.50% · 4.625%
HK$122,001
+HK$6,998/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$230,006/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,390
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,619
−HK$3,276/mo
Today · 4.125%
HK$126,895
baseline
▲ 0.50% · 4.625%
HK$133,583
+HK$6,688/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,790/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,136
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$143,464
−HK$4,397/mo
Today · 4.125%
HK$147,861
baseline
▲ 0.50% · 4.625%
HK$156,858
+HK$8,997/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,722/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,788
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$158,939
−HK$4,211/mo
Today · 4.125%
HK$163,150
baseline
▲ 0.50% · 4.625%
HK$171,750
+HK$8,600/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,300/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,697 · Scale 2, in force from 26 Feb 2026)