LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,248
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,651
−HK$2,441/mo
Today · 4.125%
HK$82,092
baseline
▲ 0.50% · 4.625%
HK$87,088
+HK$4,996/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,184/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,938
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,243
−HK$2,338/mo
Today · 4.125%
HK$90,581
baseline
▲ 0.50% · 4.625%
HK$95,356
+HK$4,775/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,162/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,698
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,581
−HK$2,930/mo
Today · 4.125%
HK$98,511
baseline
▲ 0.50% · 4.625%
HK$104,505
+HK$5,994/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,022/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,126
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,891
−HK$2,806/mo
Today · 4.125%
HK$108,697
baseline
▲ 0.50% · 4.625%
HK$114,427
+HK$5,730/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,394/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,148
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,512
−HK$3,417/mo
Today · 4.125%
HK$114,929
baseline
▲ 0.50% · 4.625%
HK$121,923
+HK$6,994/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,858/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,313
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,540
−HK$3,273/mo
Today · 4.125%
HK$126,813
baseline
▲ 0.50% · 4.625%
HK$133,498
+HK$6,685/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,626/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,047
−HK$8,719/mo
▼ 0.25% · 3.875%
HK$143,372
−HK$4,394/mo
Today · 4.125%
HK$147,766
baseline
▲ 0.50% · 4.625%
HK$156,758
+HK$8,992/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,532/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,688
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$158,837
−HK$4,209/mo
Today · 4.125%
HK$163,046
baseline
▲ 0.50% · 4.625%
HK$171,640
+HK$8,594/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,092/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,774 · Scale 2, in force from 26 Feb 2026)