LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,275
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,679
−HK$2,442/mo
Today · 4.125%
HK$82,121
baseline
▲ 0.50% · 4.625%
HK$87,118
+HK$4,997/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,242/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,968
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,273
−HK$2,339/mo
Today · 4.125%
HK$90,612
baseline
▲ 0.50% · 4.625%
HK$95,389
+HK$4,777/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,224/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,730
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,615
−HK$2,930/mo
Today · 4.125%
HK$98,545
baseline
▲ 0.50% · 4.625%
HK$104,541
+HK$5,996/mo
Deposit HK$13.56M · loan HK$20.33M · min. income ≈ HK$197,090/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,161
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,928
−HK$2,807/mo
Today · 4.125%
HK$108,735
baseline
▲ 0.50% · 4.625%
HK$114,466
+HK$5,731/mo
Deposit HK$13.56M · loan HK$20.33M · min. income ≈ HK$217,470/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,185
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,550
−HK$3,419/mo
Today · 4.125%
HK$114,969
baseline
▲ 0.50% · 4.625%
HK$121,965
+HK$6,996/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$229,938/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,355
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,583
−HK$3,274/mo
Today · 4.125%
HK$126,857
baseline
▲ 0.50% · 4.625%
HK$133,544
+HK$6,687/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$253,714/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,095
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$143,422
−HK$4,396/mo
Today · 4.125%
HK$147,818
baseline
▲ 0.50% · 4.625%
HK$156,812
+HK$8,994/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,636/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,742
−HK$8,360/mo
▼ 0.25% · 3.875%
HK$158,892
−HK$4,210/mo
Today · 4.125%
HK$163,102
baseline
▲ 0.50% · 4.625%
HK$171,700
+HK$8,598/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,204/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,274 · Scale 2, in force from 26 Feb 2026)