LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,333
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,739
−HK$2,444/mo
Today · 4.125%
HK$82,183
baseline
▲ 0.50% · 4.625%
HK$87,183
+HK$5,000/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,366/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,033
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,340
−HK$2,341/mo
Today · 4.125%
HK$90,681
baseline
▲ 0.50% · 4.625%
HK$95,461
+HK$4,780/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,362/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,800
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,687
−HK$2,932/mo
Today · 4.125%
HK$98,619
baseline
▲ 0.50% · 4.625%
HK$104,620
+HK$6,001/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$197,238/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,239
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,008
−HK$2,809/mo
Today · 4.125%
HK$108,817
baseline
▲ 0.50% · 4.625%
HK$114,553
+HK$5,736/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$217,634/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,267
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,634
−HK$3,422/mo
Today · 4.125%
HK$115,056
baseline
▲ 0.50% · 4.625%
HK$122,057
+HK$7,001/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$230,112/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,446
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,676
−HK$3,277/mo
Today · 4.125%
HK$126,953
baseline
▲ 0.50% · 4.625%
HK$133,645
+HK$6,692/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$253,906/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,200
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$143,530
−HK$4,399/mo
Today · 4.125%
HK$147,929
baseline
▲ 0.50% · 4.625%
HK$156,930
+HK$9,001/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$295,858/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,859
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$159,012
−HK$4,213/mo
Today · 4.125%
HK$163,225
baseline
▲ 0.50% · 4.625%
HK$171,829
+HK$8,604/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$326,450/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,360 · Scale 2, in force from 26 Feb 2026)