LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,380
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,787
−HK$2,445/mo
Today · 4.125%
HK$82,232
baseline
▲ 0.50% · 4.625%
HK$87,236
+HK$5,004/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,464/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,084
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,393
−HK$2,342/mo
Today · 4.125%
HK$90,735
baseline
▲ 0.50% · 4.625%
HK$95,518
+HK$4,783/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,470/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,856
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,744
−HK$2,935/mo
Today · 4.125%
HK$98,679
baseline
▲ 0.50% · 4.625%
HK$104,683
+HK$6,004/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$197,358/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,301
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,072
−HK$2,810/mo
Today · 4.125%
HK$108,882
baseline
▲ 0.50% · 4.625%
HK$114,622
+HK$5,740/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$217,764/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,332
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,702
−HK$3,423/mo
Today · 4.125%
HK$115,125
baseline
▲ 0.50% · 4.625%
HK$122,130
+HK$7,005/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$230,250/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,518
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,751
−HK$3,279/mo
Today · 4.125%
HK$127,030
baseline
▲ 0.50% · 4.625%
HK$133,725
+HK$6,695/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$254,060/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,284
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$143,617
−HK$4,401/mo
Today · 4.125%
HK$148,018
baseline
▲ 0.50% · 4.625%
HK$157,025
+HK$9,007/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$296,036/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,952
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$159,108
−HK$4,216/mo
Today · 4.125%
HK$163,324
baseline
▲ 0.50% · 4.625%
HK$171,933
+HK$8,609/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$326,648/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,229 · Scale 2, in force from 26 Feb 2026)