LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,348
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,754
−HK$2,444/mo
Today · 4.125%
HK$82,198
baseline
▲ 0.50% · 4.625%
HK$87,200
+HK$5,002/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,396/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,049
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,357
−HK$2,341/mo
Today · 4.125%
HK$90,698
baseline
▲ 0.50% · 4.625%
HK$95,479
+HK$4,781/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,396/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,818
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,705
−HK$2,933/mo
Today · 4.125%
HK$98,638
baseline
▲ 0.50% · 4.625%
HK$104,640
+HK$6,002/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$197,276/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,259
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,028
−HK$2,810/mo
Today · 4.125%
HK$108,838
baseline
▲ 0.50% · 4.625%
HK$114,574
+HK$5,736/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$217,676/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,287
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,656
−HK$3,422/mo
Today · 4.125%
HK$115,078
baseline
▲ 0.50% · 4.625%
HK$122,080
+HK$7,002/mo
Deposit HK$10.18M · loan HK$23.74M · min. income ≈ HK$230,156/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,469
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,699
−HK$3,278/mo
Today · 4.125%
HK$126,977
baseline
▲ 0.50% · 4.625%
HK$133,670
+HK$6,693/mo
Deposit HK$10.18M · loan HK$23.74M · min. income ≈ HK$253,954/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,227
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$143,557
−HK$4,400/mo
Today · 4.125%
HK$147,957
baseline
▲ 0.50% · 4.625%
HK$156,960
+HK$9,003/mo
Deposit HK$3.39M · loan HK$30.53M · min. income ≈ HK$295,914/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,888
−HK$8,368/mo
▼ 0.25% · 3.875%
HK$159,042
−HK$4,214/mo
Today · 4.125%
HK$163,256
baseline
▲ 0.50% · 4.625%
HK$171,862
+HK$8,606/mo
Deposit HK$3.39M · loan HK$30.53M · min. income ≈ HK$326,512/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,634 · Scale 2, in force from 26 Feb 2026)