LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,619
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,033
−HK$2,453/mo
Today · 4.125%
HK$82,486
baseline
▲ 0.50% · 4.625%
HK$87,505
+HK$5,019/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$164,972/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,446,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,350
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,666
−HK$2,349/mo
Today · 4.125%
HK$91,015
baseline
▲ 0.50% · 4.625%
HK$95,813
+HK$4,798/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$182,030/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,446,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,143
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,040
−HK$2,943/mo
Today · 4.125%
HK$98,983
baseline
▲ 0.50% · 4.625%
HK$105,006
+HK$6,023/mo
Deposit HK$13.62M · loan HK$20.42M · min. income ≈ HK$197,966/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,620
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,399
−HK$2,819/mo
Today · 4.125%
HK$109,218
baseline
▲ 0.50% · 4.625%
HK$114,976
+HK$5,758/mo
Deposit HK$13.62M · loan HK$20.42M · min. income ≈ HK$218,436/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,666
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$112,046
−HK$3,435/mo
Today · 4.125%
HK$115,481
baseline
▲ 0.50% · 4.625%
HK$122,507
+HK$7,026/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$230,962/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,890
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$124,132
−HK$3,290/mo
Today · 4.125%
HK$127,422
baseline
▲ 0.50% · 4.625%
HK$134,138
+HK$6,716/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$254,844/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,714
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$144,060
−HK$4,415/mo
Today · 4.125%
HK$148,475
baseline
▲ 0.50% · 4.625%
HK$157,510
+HK$9,035/mo
Deposit HK$3.40M · loan HK$30.64M · min. income ≈ HK$296,950/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,430
−HK$8,398/mo
▼ 0.25% · 3.875%
HK$159,599
−HK$4,229/mo
Today · 4.125%
HK$163,828
baseline
▲ 0.50% · 4.625%
HK$172,463
+HK$8,635/mo
Deposit HK$3.40M · loan HK$30.64M · min. income ≈ HK$327,656/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,680 · Scale 2, in force from 26 Feb 2026)