LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,444
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,853
−HK$2,447/mo
Today · 4.125%
HK$82,300
baseline
▲ 0.50% · 4.625%
HK$87,308
+HK$5,008/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,600/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,443,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,156
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,466
−HK$2,344/mo
Today · 4.125%
HK$90,810
baseline
▲ 0.50% · 4.625%
HK$95,597
+HK$4,787/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,620/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,443,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,933
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,824
−HK$2,936/mo
Today · 4.125%
HK$98,760
baseline
▲ 0.50% · 4.625%
HK$104,770
+HK$6,010/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$197,520/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,387
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,160
−HK$2,812/mo
Today · 4.125%
HK$108,972
baseline
▲ 0.50% · 4.625%
HK$114,717
+HK$5,745/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$217,944/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,422
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,794
−HK$3,427/mo
Today · 4.125%
HK$115,221
baseline
▲ 0.50% · 4.625%
HK$122,231
+HK$7,010/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$230,442/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,618
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,853
−HK$3,282/mo
Today · 4.125%
HK$127,135
baseline
▲ 0.50% · 4.625%
HK$133,836
+HK$6,701/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$254,270/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,399
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$143,735
−HK$4,406/mo
Today · 4.125%
HK$148,141
baseline
▲ 0.50% · 4.625%
HK$157,155
+HK$9,014/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$296,282/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,080
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$159,239
−HK$4,220/mo
Today · 4.125%
HK$163,459
baseline
▲ 0.50% · 4.625%
HK$172,075
+HK$8,616/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$326,918/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,421 · Scale 2, in force from 26 Feb 2026)