LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,411
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,819
−HK$2,446/mo
Today · 4.125%
HK$82,265
baseline
▲ 0.50% · 4.625%
HK$87,271
+HK$5,006/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,530/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,119
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,428
−HK$2,343/mo
Today · 4.125%
HK$90,771
baseline
▲ 0.50% · 4.625%
HK$95,556
+HK$4,785/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,542/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,893
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,782
−HK$2,936/mo
Today · 4.125%
HK$98,718
baseline
▲ 0.50% · 4.625%
HK$104,725
+HK$6,007/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$197,436/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,342
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,114
−HK$2,812/mo
Today · 4.125%
HK$108,926
baseline
▲ 0.50% · 4.625%
HK$114,667
+HK$5,741/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$217,852/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,375
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,746
−HK$3,425/mo
Today · 4.125%
HK$115,171
baseline
▲ 0.50% · 4.625%
HK$122,179
+HK$7,008/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$230,342/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,566
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,800
−HK$3,280/mo
Today · 4.125%
HK$127,080
baseline
▲ 0.50% · 4.625%
HK$133,778
+HK$6,698/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$254,160/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,339
−HK$8,738/mo
▼ 0.25% · 3.875%
HK$143,674
−HK$4,403/mo
Today · 4.125%
HK$148,077
baseline
▲ 0.50% · 4.625%
HK$157,087
+HK$9,010/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$296,154/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,014
−HK$8,374/mo
▼ 0.25% · 3.875%
HK$159,171
−HK$4,217/mo
Today · 4.125%
HK$163,388
baseline
▲ 0.50% · 4.625%
HK$172,001
+HK$8,613/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$326,776/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,801 · Scale 2, in force from 26 Feb 2026)