LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,264
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,668
−HK$2,441/mo
Today · 4.125%
HK$82,109
baseline
▲ 0.50% · 4.625%
HK$87,105
+HK$4,996/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,218/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,956
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,261
−HK$2,339/mo
Today · 4.125%
HK$90,600
baseline
▲ 0.50% · 4.625%
HK$95,375
+HK$4,775/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,200/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,717
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,601
−HK$2,930/mo
Today · 4.125%
HK$98,531
baseline
▲ 0.50% · 4.625%
HK$104,527
+HK$5,996/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,062/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,147
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,913
−HK$2,806/mo
Today · 4.125%
HK$108,719
baseline
▲ 0.50% · 4.625%
HK$114,450
+HK$5,731/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,438/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,170
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,535
−HK$3,418/mo
Today · 4.125%
HK$114,953
baseline
▲ 0.50% · 4.625%
HK$121,948
+HK$6,995/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$229,906/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,338
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,565
−HK$3,274/mo
Today · 4.125%
HK$126,839
baseline
▲ 0.50% · 4.625%
HK$133,525
+HK$6,686/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$253,678/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,075
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$143,402
−HK$4,395/mo
Today · 4.125%
HK$147,797
baseline
▲ 0.50% · 4.625%
HK$156,790
+HK$8,993/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,594/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,720
−HK$8,359/mo
▼ 0.25% · 3.875%
HK$158,870
−HK$4,209/mo
Today · 4.125%
HK$163,079
baseline
▲ 0.50% · 4.625%
HK$171,675
+HK$8,596/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,158/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,069 · Scale 2, in force from 26 Feb 2026)