LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,233
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,635
−HK$2,441/mo
Today · 4.125%
HK$82,076
baseline
▲ 0.50% · 4.625%
HK$87,070
+HK$4,994/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,152/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,921
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,225
−HK$2,338/mo
Today · 4.125%
HK$90,563
baseline
▲ 0.50% · 4.625%
HK$95,336
+HK$4,773/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,126/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,679
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$95,562
−HK$2,929/mo
Today · 4.125%
HK$98,491
baseline
▲ 0.50% · 4.625%
HK$104,484
+HK$5,993/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$196,982/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,105
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,870
−HK$2,805/mo
Today · 4.125%
HK$108,675
baseline
▲ 0.50% · 4.625%
HK$114,404
+HK$5,729/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$217,350/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,126
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,489
−HK$3,417/mo
Today · 4.125%
HK$114,906
baseline
▲ 0.50% · 4.625%
HK$121,898
+HK$6,992/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,812/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,289
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,515
−HK$3,273/mo
Today · 4.125%
HK$126,788
baseline
▲ 0.50% · 4.625%
HK$133,471
+HK$6,683/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,576/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,019
−HK$8,718/mo
▼ 0.25% · 3.875%
HK$143,343
−HK$4,394/mo
Today · 4.125%
HK$147,737
baseline
▲ 0.50% · 4.625%
HK$156,726
+HK$8,989/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$295,474/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,657
−HK$8,356/mo
▼ 0.25% · 3.875%
HK$158,805
−HK$4,208/mo
Today · 4.125%
HK$163,013
baseline
▲ 0.50% · 4.625%
HK$171,606
+HK$8,593/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$326,026/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,486 · Scale 2, in force from 26 Feb 2026)