LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,299
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,704
−HK$2,443/mo
Today · 4.125%
HK$82,147
baseline
▲ 0.50% · 4.625%
HK$87,145
+HK$4,998/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,294/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,995
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,301
−HK$2,340/mo
Today · 4.125%
HK$90,641
baseline
▲ 0.50% · 4.625%
HK$95,419
+HK$4,778/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,282/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,759
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,645
−HK$2,931/mo
Today · 4.125%
HK$98,576
baseline
▲ 0.50% · 4.625%
HK$104,574
+HK$5,998/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,152/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,194
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,961
−HK$2,808/mo
Today · 4.125%
HK$108,769
baseline
▲ 0.50% · 4.625%
HK$114,502
+HK$5,733/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,538/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,219
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,585
−HK$3,420/mo
Today · 4.125%
HK$115,005
baseline
▲ 0.50% · 4.625%
HK$122,003
+HK$6,998/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$230,010/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,393
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,622
−HK$3,275/mo
Today · 4.125%
HK$126,897
baseline
▲ 0.50% · 4.625%
HK$133,586
+HK$6,689/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,794/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,139
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$143,467
−HK$4,397/mo
Today · 4.125%
HK$147,864
baseline
▲ 0.50% · 4.625%
HK$156,861
+HK$8,997/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,728/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,791
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$158,942
−HK$4,212/mo
Today · 4.125%
HK$163,154
baseline
▲ 0.50% · 4.625%
HK$171,754
+HK$8,600/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,308/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,727 · Scale 2, in force from 26 Feb 2026)