LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,408
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,816
−HK$2,446/mo
Today · 4.125%
HK$82,262
baseline
▲ 0.50% · 4.625%
HK$87,267
+HK$5,005/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,524/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,115
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,425
−HK$2,343/mo
Today · 4.125%
HK$90,768
baseline
▲ 0.50% · 4.625%
HK$95,552
+HK$4,784/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,536/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,889
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,779
−HK$2,935/mo
Today · 4.125%
HK$98,714
baseline
▲ 0.50% · 4.625%
HK$104,721
+HK$6,007/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$197,428/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,338
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,110
−HK$2,811/mo
Today · 4.125%
HK$108,921
baseline
▲ 0.50% · 4.625%
HK$114,663
+HK$5,742/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$217,842/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,371
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,742
−HK$3,425/mo
Today · 4.125%
HK$115,167
baseline
▲ 0.50% · 4.625%
HK$122,174
+HK$7,007/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$230,334/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,561
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,795
−HK$3,280/mo
Today · 4.125%
HK$127,075
baseline
▲ 0.50% · 4.625%
HK$133,773
+HK$6,698/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$254,150/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,334
−HK$8,737/mo
▼ 0.25% · 3.875%
HK$143,668
−HK$4,403/mo
Today · 4.125%
HK$148,071
baseline
▲ 0.50% · 4.625%
HK$157,081
+HK$9,010/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$296,142/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,008
−HK$8,374/mo
▼ 0.25% · 3.875%
HK$159,165
−HK$4,217/mo
Today · 4.125%
HK$163,382
baseline
▲ 0.50% · 4.625%
HK$171,994
+HK$8,612/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$326,764/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,746 · Scale 2, in force from 26 Feb 2026)