LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,706
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,123
−HK$2,456/mo
Today · 4.125%
HK$82,579
baseline
▲ 0.50% · 4.625%
HK$87,604
+HK$5,025/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$165,158/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,448
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,766
−HK$2,352/mo
Today · 4.125%
HK$91,118
baseline
▲ 0.50% · 4.625%
HK$95,921
+HK$4,803/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$182,236/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,248
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$96,148
−HK$2,947/mo
Today · 4.125%
HK$99,095
baseline
▲ 0.50% · 4.625%
HK$105,125
+HK$6,030/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$198,190/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,737
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,519
−HK$2,823/mo
Today · 4.125%
HK$109,342
baseline
▲ 0.50% · 4.625%
HK$115,105
+HK$5,763/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$218,684/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,789
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,173
−HK$3,438/mo
Today · 4.125%
HK$115,611
baseline
▲ 0.50% · 4.625%
HK$122,646
+HK$7,035/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$231,222/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,027
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,272
−HK$3,293/mo
Today · 4.125%
HK$127,565
baseline
▲ 0.50% · 4.625%
HK$134,289
+HK$6,724/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$255,130/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,871
−HK$8,772/mo
▼ 0.25% · 3.875%
HK$144,222
−HK$4,421/mo
Today · 4.125%
HK$148,643
baseline
▲ 0.50% · 4.625%
HK$157,687
+HK$9,044/mo
Deposit HK$3.41M · loan HK$30.67M · min. income ≈ HK$297,286/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,606
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$159,779
−HK$4,233/mo
Today · 4.125%
HK$164,012
baseline
▲ 0.50% · 4.625%
HK$172,658
+HK$8,646/mo
Deposit HK$3.41M · loan HK$30.67M · min. income ≈ HK$328,024/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,311 · Scale 2, in force from 26 Feb 2026)