LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,224
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,626
−HK$2,441/mo
Today · 4.125%
HK$82,067
baseline
▲ 0.50% · 4.625%
HK$87,060
+HK$4,993/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,134/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,911
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,215
−HK$2,337/mo
Today · 4.125%
HK$90,552
baseline
▲ 0.50% · 4.625%
HK$95,325
+HK$4,773/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,104/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,669
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,551
−HK$2,929/mo
Today · 4.125%
HK$98,480
baseline
▲ 0.50% · 4.625%
HK$104,472
+HK$5,992/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$196,960/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,093
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,858
−HK$2,805/mo
Today · 4.125%
HK$108,663
baseline
▲ 0.50% · 4.625%
HK$114,391
+HK$5,728/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$217,326/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,113
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,476
−HK$3,417/mo
Today · 4.125%
HK$114,893
baseline
▲ 0.50% · 4.625%
HK$121,884
+HK$6,991/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,786/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,275
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,501
−HK$3,272/mo
Today · 4.125%
HK$126,773
baseline
▲ 0.50% · 4.625%
HK$133,456
+HK$6,683/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,546/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,003
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$143,327
−HK$4,393/mo
Today · 4.125%
HK$147,720
baseline
▲ 0.50% · 4.625%
HK$156,708
+HK$8,988/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$295,440/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,639
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$158,787
−HK$4,207/mo
Today · 4.125%
HK$162,994
baseline
▲ 0.50% · 4.625%
HK$171,586
+HK$8,592/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$325,988/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,319 · Scale 2, in force from 26 Feb 2026)