LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,244
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,646
−HK$2,441/mo
Today · 4.125%
HK$82,087
baseline
▲ 0.50% · 4.625%
HK$87,082
+HK$4,995/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,174/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,933
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,237
−HK$2,338/mo
Today · 4.125%
HK$90,575
baseline
▲ 0.50% · 4.625%
HK$95,350
+HK$4,775/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,150/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,692
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,575
−HK$2,930/mo
Today · 4.125%
HK$98,505
baseline
▲ 0.50% · 4.625%
HK$104,499
+HK$5,994/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$197,010/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,119
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,885
−HK$2,805/mo
Today · 4.125%
HK$108,690
baseline
▲ 0.50% · 4.625%
HK$114,420
+HK$5,730/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$217,380/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,141
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,505
−HK$3,417/mo
Today · 4.125%
HK$114,922
baseline
▲ 0.50% · 4.625%
HK$121,915
+HK$6,993/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,844/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,306
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,532
−HK$3,273/mo
Today · 4.125%
HK$126,805
baseline
▲ 0.50% · 4.625%
HK$133,490
+HK$6,685/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,610/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,038
−HK$8,719/mo
▼ 0.25% · 3.875%
HK$143,363
−HK$4,394/mo
Today · 4.125%
HK$147,757
baseline
▲ 0.50% · 4.625%
HK$156,748
+HK$8,991/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,514/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,679
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$158,827
−HK$4,209/mo
Today · 4.125%
HK$163,036
baseline
▲ 0.50% · 4.625%
HK$171,629
+HK$8,593/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,072/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,685 · Scale 2, in force from 26 Feb 2026)