LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,169
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,570
−HK$2,438/mo
Today · 4.125%
HK$82,008
baseline
▲ 0.50% · 4.625%
HK$86,998
+HK$4,990/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$164,016/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,850
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,152
−HK$2,336/mo
Today · 4.125%
HK$90,488
baseline
▲ 0.50% · 4.625%
HK$95,258
+HK$4,770/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,976/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,603
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,484
−HK$2,926/mo
Today · 4.125%
HK$98,410
baseline
▲ 0.50% · 4.625%
HK$104,398
+HK$5,988/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,820/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,020
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,783
−HK$2,803/mo
Today · 4.125%
HK$108,586
baseline
▲ 0.50% · 4.625%
HK$114,310
+HK$5,724/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,172/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,037
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,398
−HK$3,414/mo
Today · 4.125%
HK$114,812
baseline
▲ 0.50% · 4.625%
HK$121,798
+HK$6,986/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,624/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,190
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,413
−HK$3,271/mo
Today · 4.125%
HK$126,684
baseline
▲ 0.50% · 4.625%
HK$133,361
+HK$6,677/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,368/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,905
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$143,225
−HK$4,390/mo
Today · 4.125%
HK$147,615
baseline
▲ 0.50% · 4.625%
HK$156,597
+HK$8,982/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$295,230/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,530
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$158,674
−HK$4,205/mo
Today · 4.125%
HK$162,879
baseline
▲ 0.50% · 4.625%
HK$171,464
+HK$8,585/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$325,758/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,301 · Scale 2, in force from 26 Feb 2026)