LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,451
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,861
−HK$2,447/mo
Today · 4.125%
HK$82,308
baseline
▲ 0.50% · 4.625%
HK$87,317
+HK$5,009/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,616/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,164
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,475
−HK$2,344/mo
Today · 4.125%
HK$90,819
baseline
▲ 0.50% · 4.625%
HK$95,606
+HK$4,787/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,638/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,942
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,833
−HK$2,937/mo
Today · 4.125%
HK$98,770
baseline
▲ 0.50% · 4.625%
HK$104,780
+HK$6,010/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$197,540/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,397
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,170
−HK$2,813/mo
Today · 4.125%
HK$108,983
baseline
▲ 0.50% · 4.625%
HK$114,728
+HK$5,745/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$217,966/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,432
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,805
−HK$3,427/mo
Today · 4.125%
HK$115,232
baseline
▲ 0.50% · 4.625%
HK$122,243
+HK$7,011/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$230,464/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,630
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,865
−HK$3,282/mo
Today · 4.125%
HK$127,147
baseline
▲ 0.50% · 4.625%
HK$133,849
+HK$6,702/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$254,294/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,413
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$143,749
−HK$4,406/mo
Today · 4.125%
HK$148,155
baseline
▲ 0.50% · 4.625%
HK$157,170
+HK$9,015/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$296,310/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,095
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$159,255
−HK$4,219/mo
Today · 4.125%
HK$163,474
baseline
▲ 0.50% · 4.625%
HK$172,091
+HK$8,617/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$326,948/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,561 · Scale 2, in force from 26 Feb 2026)