LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,250
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,652
−HK$2,442/mo
Today · 4.125%
HK$82,094
baseline
▲ 0.50% · 4.625%
HK$87,089
+HK$4,995/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,188/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,939
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,244
−HK$2,338/mo
Today · 4.125%
HK$90,582
baseline
▲ 0.50% · 4.625%
HK$95,357
+HK$4,775/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,164/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,700
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,583
−HK$2,930/mo
Today · 4.125%
HK$98,513
baseline
▲ 0.50% · 4.625%
HK$104,507
+HK$5,994/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,026/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,127
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,893
−HK$2,806/mo
Today · 4.125%
HK$108,699
baseline
▲ 0.50% · 4.625%
HK$114,429
+HK$5,730/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,398/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,149
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,513
−HK$3,418/mo
Today · 4.125%
HK$114,931
baseline
▲ 0.50% · 4.625%
HK$121,925
+HK$6,994/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,862/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,315
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,542
−HK$3,273/mo
Today · 4.125%
HK$126,815
baseline
▲ 0.50% · 4.625%
HK$133,500
+HK$6,685/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,630/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,049
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$143,374
−HK$4,395/mo
Today · 4.125%
HK$147,769
baseline
▲ 0.50% · 4.625%
HK$156,760
+HK$8,991/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,538/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,691
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$158,840
−HK$4,208/mo
Today · 4.125%
HK$163,048
baseline
▲ 0.50% · 4.625%
HK$171,643
+HK$8,595/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,096/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,798 · Scale 2, in force from 26 Feb 2026)