LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,228
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,630
−HK$2,441/mo
Today · 4.125%
HK$82,071
baseline
▲ 0.50% · 4.625%
HK$87,065
+HK$4,994/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,142/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,915
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,220
−HK$2,337/mo
Today · 4.125%
HK$90,557
baseline
▲ 0.50% · 4.625%
HK$95,330
+HK$4,773/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,114/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,674
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,556
−HK$2,929/mo
Today · 4.125%
HK$98,485
baseline
▲ 0.50% · 4.625%
HK$104,478
+HK$5,993/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$196,970/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,098
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,863
−HK$2,805/mo
Today · 4.125%
HK$108,668
baseline
▲ 0.50% · 4.625%
HK$114,397
+HK$5,729/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$217,336/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,119
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,482
−HK$3,417/mo
Today · 4.125%
HK$114,899
baseline
▲ 0.50% · 4.625%
HK$121,891
+HK$6,992/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,798/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,281
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,507
−HK$3,273/mo
Today · 4.125%
HK$126,780
baseline
▲ 0.50% · 4.625%
HK$133,463
+HK$6,683/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,560/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,010
−HK$8,718/mo
▼ 0.25% · 3.875%
HK$143,334
−HK$4,394/mo
Today · 4.125%
HK$147,728
baseline
▲ 0.50% · 4.625%
HK$156,716
+HK$8,988/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$295,456/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,648
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$158,795
−HK$4,208/mo
Today · 4.125%
HK$163,003
baseline
▲ 0.50% · 4.625%
HK$171,595
+HK$8,592/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$326,006/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,395 · Scale 2, in force from 26 Feb 2026)