LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,230
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,632
−HK$2,441/mo
Today · 4.125%
HK$82,073
baseline
▲ 0.50% · 4.625%
HK$87,066
+HK$4,993/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,146/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,917
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,221
−HK$2,338/mo
Today · 4.125%
HK$90,559
baseline
▲ 0.50% · 4.625%
HK$95,332
+HK$4,773/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,118/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,676
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,558
−HK$2,929/mo
Today · 4.125%
HK$98,487
baseline
▲ 0.50% · 4.625%
HK$104,480
+HK$5,993/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$196,974/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,101
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,866
−HK$2,805/mo
Today · 4.125%
HK$108,671
baseline
▲ 0.50% · 4.625%
HK$114,399
+HK$5,728/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$217,342/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,121
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,485
−HK$3,417/mo
Today · 4.125%
HK$114,902
baseline
▲ 0.50% · 4.625%
HK$121,893
+HK$6,991/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,804/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,284
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,510
−HK$3,273/mo
Today · 4.125%
HK$126,783
baseline
▲ 0.50% · 4.625%
HK$133,465
+HK$6,682/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,566/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,013
−HK$8,718/mo
▼ 0.25% · 3.875%
HK$143,337
−HK$4,394/mo
Today · 4.125%
HK$147,731
baseline
▲ 0.50% · 4.625%
HK$156,720
+HK$8,989/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$295,462/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,651
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$158,799
−HK$4,207/mo
Today · 4.125%
HK$163,006
baseline
▲ 0.50% · 4.625%
HK$171,598
+HK$8,592/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$326,012/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,425 · Scale 2, in force from 26 Feb 2026)