LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,870
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,261
−HK$2,430/mo
Today · 4.125%
HK$81,691
baseline
▲ 0.50% · 4.625%
HK$86,661
+HK$4,970/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,382/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,517
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,811
−HK$2,327/mo
Today · 4.125%
HK$90,138
baseline
▲ 0.50% · 4.625%
HK$94,889
+HK$4,751/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,276/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,244
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$95,114
−HK$2,915/mo
Today · 4.125%
HK$98,029
baseline
▲ 0.50% · 4.625%
HK$103,994
+HK$5,965/mo
Deposit HK$13.48M · loan HK$20.23M · min. income ≈ HK$196,058/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,621
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,373
−HK$2,792/mo
Today · 4.125%
HK$108,165
baseline
▲ 0.50% · 4.625%
HK$113,867
+HK$5,702/mo
Deposit HK$13.48M · loan HK$20.23M · min. income ≈ HK$216,330/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,618
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,966
−HK$3,401/mo
Today · 4.125%
HK$114,367
baseline
▲ 0.50% · 4.625%
HK$121,326
+HK$6,959/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$228,734/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,724
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,935
−HK$3,258/mo
Today · 4.125%
HK$126,193
baseline
▲ 0.50% · 4.625%
HK$132,844
+HK$6,651/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$252,386/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,366
−HK$8,677/mo
▼ 0.25% · 3.875%
HK$142,670
−HK$4,373/mo
Today · 4.125%
HK$147,043
baseline
▲ 0.50% · 4.625%
HK$155,990
+HK$8,947/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$294,086/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,931
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$158,059
−HK$4,189/mo
Today · 4.125%
HK$162,248
baseline
▲ 0.50% · 4.625%
HK$170,800
+HK$8,552/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$324,496/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,726 · Scale 2, in force from 26 Feb 2026)