LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,208
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,610
−HK$2,440/mo
Today · 4.125%
HK$82,050
baseline
▲ 0.50% · 4.625%
HK$87,043
+HK$4,993/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,100/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,894
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,197
−HK$2,337/mo
Today · 4.125%
HK$90,534
baseline
▲ 0.50% · 4.625%
HK$95,306
+HK$4,772/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,068/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,650
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,532
−HK$2,928/mo
Today · 4.125%
HK$98,460
baseline
▲ 0.50% · 4.625%
HK$104,451
+HK$5,991/mo
Deposit HK$13.54M · loan HK$20.32M · min. income ≈ HK$196,920/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,439,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,072
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,837
−HK$2,804/mo
Today · 4.125%
HK$108,641
baseline
▲ 0.50% · 4.625%
HK$114,368
+HK$5,727/mo
Deposit HK$13.54M · loan HK$20.32M · min. income ≈ HK$217,282/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,439,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,092
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$111,454
−HK$3,416/mo
Today · 4.125%
HK$114,870
baseline
▲ 0.50% · 4.625%
HK$121,860
+HK$6,990/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$229,740/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,251
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$123,476
−HK$3,272/mo
Today · 4.125%
HK$126,748
baseline
▲ 0.50% · 4.625%
HK$133,429
+HK$6,681/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$253,496/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,975
−HK$8,715/mo
▼ 0.25% · 3.875%
HK$143,298
−HK$4,392/mo
Today · 4.125%
HK$147,690
baseline
▲ 0.50% · 4.625%
HK$156,677
+HK$8,987/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$295,380/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,439,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,609
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$158,755
−HK$4,207/mo
Today · 4.125%
HK$162,962
baseline
▲ 0.50% · 4.625%
HK$171,552
+HK$8,590/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$325,924/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,439,032 · Scale 2, in force from 26 Feb 2026)