LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,355
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,761
−HK$2,445/mo
Today · 4.125%
HK$82,206
baseline
▲ 0.50% · 4.625%
HK$87,208
+HK$5,002/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,412/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,057
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,365
−HK$2,341/mo
Today · 4.125%
HK$90,706
baseline
▲ 0.50% · 4.625%
HK$95,488
+HK$4,782/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,412/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,826
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,714
−HK$2,933/mo
Today · 4.125%
HK$98,647
baseline
▲ 0.50% · 4.625%
HK$104,650
+HK$6,003/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$197,294/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,268
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,038
−HK$2,810/mo
Today · 4.125%
HK$108,848
baseline
▲ 0.50% · 4.625%
HK$114,585
+HK$5,737/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$217,696/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,297
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$111,666
−HK$3,423/mo
Today · 4.125%
HK$115,089
baseline
▲ 0.50% · 4.625%
HK$122,091
+HK$7,002/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$230,178/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,480
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$123,711
−HK$3,278/mo
Today · 4.125%
HK$126,989
baseline
▲ 0.50% · 4.625%
HK$133,683
+HK$6,694/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$253,978/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,239
−HK$8,732/mo
▼ 0.25% · 3.875%
HK$143,571
−HK$4,400/mo
Today · 4.125%
HK$147,971
baseline
▲ 0.50% · 4.625%
HK$156,975
+HK$9,004/mo
Deposit HK$3.39M · loan HK$30.53M · min. income ≈ HK$295,942/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,902
−HK$8,369/mo
▼ 0.25% · 3.875%
HK$159,057
−HK$4,214/mo
Today · 4.125%
HK$163,271
baseline
▲ 0.50% · 4.625%
HK$171,878
+HK$8,607/mo
Deposit HK$3.39M · loan HK$30.53M · min. income ≈ HK$326,542/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,767 · Scale 2, in force from 26 Feb 2026)