LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,247
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,650
−HK$2,441/mo
Today · 4.125%
HK$82,091
baseline
▲ 0.50% · 4.625%
HK$87,086
+HK$4,995/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,182/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,936
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,241
−HK$2,338/mo
Today · 4.125%
HK$90,579
baseline
▲ 0.50% · 4.625%
HK$95,354
+HK$4,775/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,158/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,696
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,580
−HK$2,929/mo
Today · 4.125%
HK$98,509
baseline
▲ 0.50% · 4.625%
HK$104,503
+HK$5,994/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,018/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,124
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,889
−HK$2,806/mo
Today · 4.125%
HK$108,695
baseline
▲ 0.50% · 4.625%
HK$114,425
+HK$5,730/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,390/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,146
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,510
−HK$3,417/mo
Today · 4.125%
HK$114,927
baseline
▲ 0.50% · 4.625%
HK$121,920
+HK$6,993/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,854/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,311
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,538
−HK$3,273/mo
Today · 4.125%
HK$126,811
baseline
▲ 0.50% · 4.625%
HK$133,495
+HK$6,684/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,622/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,044
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$143,369
−HK$4,395/mo
Today · 4.125%
HK$147,764
baseline
▲ 0.50% · 4.625%
HK$156,755
+HK$8,991/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,528/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,685
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$158,834
−HK$4,209/mo
Today · 4.125%
HK$163,043
baseline
▲ 0.50% · 4.625%
HK$171,637
+HK$8,594/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,086/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,747 · Scale 2, in force from 26 Feb 2026)