LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,265
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,668
−HK$2,442/mo
Today · 4.125%
HK$82,110
baseline
▲ 0.50% · 4.625%
HK$87,106
+HK$4,996/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,220/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,957
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,262
−HK$2,338/mo
Today · 4.125%
HK$90,600
baseline
▲ 0.50% · 4.625%
HK$95,376
+HK$4,776/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$1,440,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,718
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,602
−HK$2,930/mo
Today · 4.125%
HK$98,532
baseline
▲ 0.50% · 4.625%
HK$104,528
+HK$5,996/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,064/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,148
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,914
−HK$2,807/mo
Today · 4.125%
HK$108,721
baseline
▲ 0.50% · 4.625%
HK$114,451
+HK$5,730/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,442/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,171
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,536
−HK$3,418/mo
Today · 4.125%
HK$114,954
baseline
▲ 0.50% · 4.625%
HK$121,949
+HK$6,995/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$229,908/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,339
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,567
−HK$3,274/mo
Today · 4.125%
HK$126,841
baseline
▲ 0.50% · 4.625%
HK$133,527
+HK$6,686/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$253,682/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,077
−HK$8,721/mo
▼ 0.25% · 3.875%
HK$143,403
−HK$4,395/mo
Today · 4.125%
HK$147,798
baseline
▲ 0.50% · 4.625%
HK$156,791
+HK$8,993/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,596/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,722
−HK$8,359/mo
▼ 0.25% · 3.875%
HK$158,871
−HK$4,210/mo
Today · 4.125%
HK$163,081
baseline
▲ 0.50% · 4.625%
HK$171,677
+HK$8,596/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,162/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,085 · Scale 2, in force from 26 Feb 2026)