LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,304
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,709
−HK$2,443/mo
Today · 4.125%
HK$82,152
baseline
▲ 0.50% · 4.625%
HK$87,150
+HK$4,998/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,304/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,000
−HK$4,646/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$1,440,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,765
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,650
−HK$2,932/mo
Today · 4.125%
HK$98,582
baseline
▲ 0.50% · 4.625%
HK$104,580
+HK$5,998/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,164/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,200
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,968
−HK$2,807/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$1,440,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,226
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,592
−HK$3,420/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$1,440,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,400
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,629
−HK$3,276/mo
Today · 4.125%
HK$126,905
baseline
▲ 0.50% · 4.625%
HK$133,594
+HK$6,689/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,810/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,147
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$143,475
−HK$4,398/mo
Today · 4.125%
HK$147,873
baseline
▲ 0.50% · 4.625%
HK$156,871
+HK$8,998/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,746/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,800
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$158,951
−HK$4,212/mo
Today · 4.125%
HK$163,163
baseline
▲ 0.50% · 4.625%
HK$171,764
+HK$8,601/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,326/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,811 · Scale 2, in force from 26 Feb 2026)