LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,273
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,677
−HK$2,442/mo
Today · 4.125%
HK$82,119
baseline
▲ 0.50% · 4.625%
HK$87,116
+HK$4,997/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,238/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,966
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,271
−HK$2,339/mo
Today · 4.125%
HK$90,610
baseline
▲ 0.50% · 4.625%
HK$95,387
+HK$4,777/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,220/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,728
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,612
−HK$2,931/mo
Today · 4.125%
HK$98,543
baseline
▲ 0.50% · 4.625%
HK$104,539
+HK$5,996/mo
Deposit HK$13.56M · loan HK$20.33M · min. income ≈ HK$197,086/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,159
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,926
−HK$2,806/mo
Today · 4.125%
HK$108,732
baseline
▲ 0.50% · 4.625%
HK$114,464
+HK$5,732/mo
Deposit HK$13.56M · loan HK$20.33M · min. income ≈ HK$217,464/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,183
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,548
−HK$3,419/mo
Today · 4.125%
HK$114,967
baseline
▲ 0.50% · 4.625%
HK$121,962
+HK$6,995/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$229,934/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,352
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,580
−HK$3,275/mo
Today · 4.125%
HK$126,855
baseline
▲ 0.50% · 4.625%
HK$133,541
+HK$6,686/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$253,710/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,092
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$143,419
−HK$4,395/mo
Today · 4.125%
HK$147,814
baseline
▲ 0.50% · 4.625%
HK$156,809
+HK$8,995/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,628/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,739
−HK$8,360/mo
▼ 0.25% · 3.875%
HK$158,889
−HK$4,210/mo
Today · 4.125%
HK$163,099
baseline
▲ 0.50% · 4.625%
HK$171,696
+HK$8,597/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,198/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,242 · Scale 2, in force from 26 Feb 2026)