LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,421
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,829
−HK$2,447/mo
Today · 4.125%
HK$82,276
baseline
▲ 0.50% · 4.625%
HK$87,282
+HK$5,006/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,552/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,130
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,440
−HK$2,343/mo
Today · 4.125%
HK$90,783
baseline
▲ 0.50% · 4.625%
HK$95,568
+HK$4,785/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,566/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,905
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,795
−HK$2,936/mo
Today · 4.125%
HK$98,731
baseline
▲ 0.50% · 4.625%
HK$104,738
+HK$6,007/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$197,462/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,356
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,128
−HK$2,812/mo
Today · 4.125%
HK$108,940
baseline
▲ 0.50% · 4.625%
HK$114,682
+HK$5,742/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$217,880/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,389
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,761
−HK$3,425/mo
Today · 4.125%
HK$115,186
baseline
▲ 0.50% · 4.625%
HK$122,195
+HK$7,009/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$230,372/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,582
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,816
−HK$3,280/mo
Today · 4.125%
HK$127,096
baseline
▲ 0.50% · 4.625%
HK$133,796
+HK$6,700/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$254,192/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,357
−HK$8,739/mo
▼ 0.25% · 3.875%
HK$143,692
−HK$4,404/mo
Today · 4.125%
HK$148,096
baseline
▲ 0.50% · 4.625%
HK$157,108
+HK$9,012/mo
Deposit HK$3.40M · loan HK$30.56M · min. income ≈ HK$296,192/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,034
−HK$8,376/mo
▼ 0.25% · 3.875%
HK$159,192
−HK$4,218/mo
Today · 4.125%
HK$163,410
baseline
▲ 0.50% · 4.625%
HK$172,023
+HK$8,613/mo
Deposit HK$3.40M · loan HK$30.56M · min. income ≈ HK$326,820/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,988 · Scale 2, in force from 26 Feb 2026)