LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,828
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,218
−HK$2,428/mo
Today · 4.125%
HK$81,646
baseline
▲ 0.50% · 4.625%
HK$86,614
+HK$4,968/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,292/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,471
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,763
−HK$2,326/mo
Today · 4.125%
HK$90,089
baseline
▲ 0.50% · 4.625%
HK$94,837
+HK$4,748/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,178/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,194
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,062
−HK$2,913/mo
Today · 4.125%
HK$97,975
baseline
▲ 0.50% · 4.625%
HK$103,937
+HK$5,962/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$195,950/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,565
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,316
−HK$2,790/mo
Today · 4.125%
HK$108,106
baseline
▲ 0.50% · 4.625%
HK$113,805
+HK$5,699/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,212/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,560
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,905
−HK$3,400/mo
Today · 4.125%
HK$114,305
baseline
▲ 0.50% · 4.625%
HK$121,260
+HK$6,955/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,610/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,659
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,868
−HK$3,256/mo
Today · 4.125%
HK$126,124
baseline
▲ 0.50% · 4.625%
HK$132,772
+HK$6,648/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,248/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,291
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$142,593
−HK$4,370/mo
Today · 4.125%
HK$146,963
baseline
▲ 0.50% · 4.625%
HK$155,906
+HK$8,943/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$293,926/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,848
−HK$8,311/mo
▼ 0.25% · 3.875%
HK$157,974
−HK$4,185/mo
Today · 4.125%
HK$162,159
baseline
▲ 0.50% · 4.625%
HK$170,707
+HK$8,548/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$324,318/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,948 · Scale 2, in force from 26 Feb 2026)