LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,304
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,708
−HK$2,443/mo
Today · 4.125%
HK$82,151
baseline
▲ 0.50% · 4.625%
HK$87,150
+HK$4,999/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,302/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,999
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,306
−HK$2,340/mo
Today · 4.125%
HK$90,646
baseline
▲ 0.50% · 4.625%
HK$95,424
+HK$4,778/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,292/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,764
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,650
−HK$2,931/mo
Today · 4.125%
HK$98,581
baseline
▲ 0.50% · 4.625%
HK$104,580
+HK$5,999/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,162/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,199
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,967
−HK$2,808/mo
Today · 4.125%
HK$108,775
baseline
▲ 0.50% · 4.625%
HK$114,509
+HK$5,734/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,550/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,225
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,591
−HK$3,421/mo
Today · 4.125%
HK$115,012
baseline
▲ 0.50% · 4.625%
HK$122,010
+HK$6,998/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$230,024/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,399
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,628
−HK$3,276/mo
Today · 4.125%
HK$126,904
baseline
▲ 0.50% · 4.625%
HK$133,593
+HK$6,689/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,808/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,146
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$143,475
−HK$4,397/mo
Today · 4.125%
HK$147,872
baseline
▲ 0.50% · 4.625%
HK$156,870
+HK$8,998/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,744/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,799
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$158,951
−HK$4,211/mo
Today · 4.125%
HK$163,162
baseline
▲ 0.50% · 4.625%
HK$171,763
+HK$8,601/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,324/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,804 · Scale 2, in force from 26 Feb 2026)