LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,276
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,680
−HK$2,442/mo
Today · 4.125%
HK$82,122
baseline
▲ 0.50% · 4.625%
HK$87,119
+HK$4,997/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,244/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,969
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,275
−HK$2,339/mo
Today · 4.125%
HK$90,614
baseline
▲ 0.50% · 4.625%
HK$95,390
+HK$4,776/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,228/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,732
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,616
−HK$2,931/mo
Today · 4.125%
HK$98,547
baseline
▲ 0.50% · 4.625%
HK$104,543
+HK$5,996/mo
Deposit HK$13.56M · loan HK$20.33M · min. income ≈ HK$197,094/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,163
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,930
−HK$2,807/mo
Today · 4.125%
HK$108,737
baseline
▲ 0.50% · 4.625%
HK$114,468
+HK$5,731/mo
Deposit HK$13.56M · loan HK$20.33M · min. income ≈ HK$217,474/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,187
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,552
−HK$3,419/mo
Today · 4.125%
HK$114,971
baseline
▲ 0.50% · 4.625%
HK$121,967
+HK$6,996/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$229,942/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,357
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,585
−HK$3,274/mo
Today · 4.125%
HK$126,859
baseline
▲ 0.50% · 4.625%
HK$133,546
+HK$6,687/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$253,718/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,097
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$143,424
−HK$4,396/mo
Today · 4.125%
HK$147,820
baseline
▲ 0.50% · 4.625%
HK$156,815
+HK$8,995/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,640/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,744
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$158,895
−HK$4,210/mo
Today · 4.125%
HK$163,105
baseline
▲ 0.50% · 4.625%
HK$171,702
+HK$8,597/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,210/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,296 · Scale 2, in force from 26 Feb 2026)