LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,435
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,843
−HK$2,447/mo
Today · 4.125%
HK$82,290
baseline
▲ 0.50% · 4.625%
HK$87,298
+HK$5,008/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,580/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,443,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,145
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,456
−HK$2,343/mo
Today · 4.125%
HK$90,799
baseline
▲ 0.50% · 4.625%
HK$95,586
+HK$4,787/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,598/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,443,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,921
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,812
−HK$2,936/mo
Today · 4.125%
HK$98,748
baseline
▲ 0.50% · 4.625%
HK$104,757
+HK$6,009/mo
Deposit HK$13.58M · loan HK$20.38M · min. income ≈ HK$197,496/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,374
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,147
−HK$2,812/mo
Today · 4.125%
HK$108,959
baseline
▲ 0.50% · 4.625%
HK$114,703
+HK$5,744/mo
Deposit HK$13.58M · loan HK$20.38M · min. income ≈ HK$217,918/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,408
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,781
−HK$3,426/mo
Today · 4.125%
HK$115,207
baseline
▲ 0.50% · 4.625%
HK$122,217
+HK$7,010/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$230,414/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,603
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,838
−HK$3,281/mo
Today · 4.125%
HK$127,119
baseline
▲ 0.50% · 4.625%
HK$133,820
+HK$6,701/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$254,238/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,382
−HK$8,741/mo
▼ 0.25% · 3.875%
HK$143,718
−HK$4,405/mo
Today · 4.125%
HK$148,123
baseline
▲ 0.50% · 4.625%
HK$157,136
+HK$9,013/mo
Deposit HK$3.40M · loan HK$30.56M · min. income ≈ HK$296,246/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,061
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$159,220
−HK$4,219/mo
Today · 4.125%
HK$163,439
baseline
▲ 0.50% · 4.625%
HK$172,054
+HK$8,615/mo
Deposit HK$3.40M · loan HK$30.56M · min. income ≈ HK$326,878/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,246 · Scale 2, in force from 26 Feb 2026)