LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,818
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,207
−HK$2,428/mo
Today · 4.125%
HK$81,635
baseline
▲ 0.50% · 4.625%
HK$86,602
+HK$4,967/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,270/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,459
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,751
−HK$2,325/mo
Today · 4.125%
HK$90,076
baseline
▲ 0.50% · 4.625%
HK$94,824
+HK$4,748/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,152/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,181
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,049
−HK$2,913/mo
Today · 4.125%
HK$97,962
baseline
▲ 0.50% · 4.625%
HK$103,923
+HK$5,961/mo
Deposit HK$13.48M · loan HK$20.21M · min. income ≈ HK$195,924/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,551
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,301
−HK$2,790/mo
Today · 4.125%
HK$108,091
baseline
▲ 0.50% · 4.625%
HK$113,789
+HK$5,698/mo
Deposit HK$13.48M · loan HK$20.21M · min. income ≈ HK$216,182/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,545
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,890
−HK$3,399/mo
Today · 4.125%
HK$114,289
baseline
▲ 0.50% · 4.625%
HK$121,243
+HK$6,954/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$228,578/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,643
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,851
−HK$3,255/mo
Today · 4.125%
HK$126,106
baseline
▲ 0.50% · 4.625%
HK$132,754
+HK$6,648/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$252,212/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,272
−HK$8,671/mo
▼ 0.25% · 3.875%
HK$142,573
−HK$4,370/mo
Today · 4.125%
HK$146,943
baseline
▲ 0.50% · 4.625%
HK$155,884
+HK$8,941/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$293,886/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,826
−HK$8,311/mo
▼ 0.25% · 3.875%
HK$157,952
−HK$4,185/mo
Today · 4.125%
HK$162,137
baseline
▲ 0.50% · 4.625%
HK$170,683
+HK$8,546/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$324,274/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,749 · Scale 2, in force from 26 Feb 2026)