LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,330
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,735
−HK$2,444/mo
Today · 4.125%
HK$82,179
baseline
▲ 0.50% · 4.625%
HK$87,179
+HK$5,000/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,358/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,029
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,336
−HK$2,340/mo
Today · 4.125%
HK$90,676
baseline
▲ 0.50% · 4.625%
HK$95,456
+HK$4,780/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,352/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,796
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,682
−HK$2,933/mo
Today · 4.125%
HK$98,615
baseline
▲ 0.50% · 4.625%
HK$104,615
+HK$6,000/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$197,230/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,234
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,003
−HK$2,809/mo
Today · 4.125%
HK$108,812
baseline
▲ 0.50% · 4.625%
HK$114,547
+HK$5,735/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$217,624/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,262
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,629
−HK$3,422/mo
Today · 4.125%
HK$115,051
baseline
▲ 0.50% · 4.625%
HK$122,051
+HK$7,000/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$230,102/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,440
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,670
−HK$3,277/mo
Today · 4.125%
HK$126,947
baseline
▲ 0.50% · 4.625%
HK$133,639
+HK$6,692/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$253,894/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,194
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$143,523
−HK$4,399/mo
Today · 4.125%
HK$147,922
baseline
▲ 0.50% · 4.625%
HK$156,923
+HK$9,001/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$295,844/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,852
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$159,005
−HK$4,213/mo
Today · 4.125%
HK$163,218
baseline
▲ 0.50% · 4.625%
HK$171,821
+HK$8,603/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$326,436/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,293 · Scale 2, in force from 26 Feb 2026)