LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,260
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,664
−HK$2,441/mo
Today · 4.125%
HK$82,105
baseline
▲ 0.50% · 4.625%
HK$87,101
+HK$4,996/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,210/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,951
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,257
−HK$2,338/mo
Today · 4.125%
HK$90,595
baseline
▲ 0.50% · 4.625%
HK$95,371
+HK$4,776/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,190/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,713
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,596
−HK$2,930/mo
Today · 4.125%
HK$98,526
baseline
▲ 0.50% · 4.625%
HK$104,522
+HK$5,996/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,052/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,142
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,908
−HK$2,806/mo
Today · 4.125%
HK$108,714
baseline
▲ 0.50% · 4.625%
HK$114,445
+HK$5,731/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,428/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,165
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,529
−HK$3,419/mo
Today · 4.125%
HK$114,948
baseline
▲ 0.50% · 4.625%
HK$121,942
+HK$6,994/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$229,896/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,440,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,332
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,559
−HK$3,274/mo
Today · 4.125%
HK$126,833
baseline
▲ 0.50% · 4.625%
HK$133,519
+HK$6,686/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$253,666/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,440,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,069
−HK$8,721/mo
▼ 0.25% · 3.875%
HK$143,395
−HK$4,395/mo
Today · 4.125%
HK$147,790
baseline
▲ 0.50% · 4.625%
HK$156,782
+HK$8,992/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,580/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,713
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$158,862
−HK$4,209/mo
Today · 4.125%
HK$163,071
baseline
▲ 0.50% · 4.625%
HK$171,667
+HK$8,596/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,142/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,001 · Scale 2, in force from 26 Feb 2026)