LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,346
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,752
−HK$2,444/mo
Today · 4.125%
HK$82,196
baseline
▲ 0.50% · 4.625%
HK$87,198
+HK$5,002/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,392/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,046
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,354
−HK$2,341/mo
Today · 4.125%
HK$90,695
baseline
▲ 0.50% · 4.625%
HK$95,476
+HK$4,781/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,390/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,815
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,702
−HK$2,933/mo
Today · 4.125%
HK$98,635
baseline
▲ 0.50% · 4.625%
HK$104,637
+HK$6,002/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$197,270/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,256
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,025
−HK$2,809/mo
Today · 4.125%
HK$108,834
baseline
▲ 0.50% · 4.625%
HK$114,571
+HK$5,737/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$217,668/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,284
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,652
−HK$3,423/mo
Today · 4.125%
HK$115,075
baseline
▲ 0.50% · 4.625%
HK$122,077
+HK$7,002/mo
Deposit HK$10.18M · loan HK$23.74M · min. income ≈ HK$230,150/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,465
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,696
−HK$3,277/mo
Today · 4.125%
HK$126,973
baseline
▲ 0.50% · 4.625%
HK$133,666
+HK$6,693/mo
Deposit HK$10.18M · loan HK$23.74M · min. income ≈ HK$253,946/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,222
−HK$8,731/mo
▼ 0.25% · 3.875%
HK$143,553
−HK$4,400/mo
Today · 4.125%
HK$147,953
baseline
▲ 0.50% · 4.625%
HK$156,956
+HK$9,003/mo
Deposit HK$3.39M · loan HK$30.53M · min. income ≈ HK$295,906/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,884
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$159,037
−HK$4,214/mo
Today · 4.125%
HK$163,251
baseline
▲ 0.50% · 4.625%
HK$171,857
+HK$8,606/mo
Deposit HK$3.39M · loan HK$30.53M · min. income ≈ HK$326,502/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,591 · Scale 2, in force from 26 Feb 2026)