LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,872
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,263
−HK$2,429/mo
Today · 4.125%
HK$81,692
baseline
▲ 0.50% · 4.625%
HK$86,663
+HK$4,971/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,384/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,519
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,813
−HK$2,326/mo
Today · 4.125%
HK$90,139
baseline
▲ 0.50% · 4.625%
HK$94,891
+HK$4,752/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,278/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,246
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$95,116
−HK$2,915/mo
Today · 4.125%
HK$98,031
baseline
▲ 0.50% · 4.625%
HK$103,996
+HK$5,965/mo
Deposit HK$13.48M · loan HK$20.23M · min. income ≈ HK$196,062/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,623
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,375
−HK$2,792/mo
Today · 4.125%
HK$108,167
baseline
▲ 0.50% · 4.625%
HK$113,869
+HK$5,702/mo
Deposit HK$13.48M · loan HK$20.23M · min. income ≈ HK$216,334/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,621
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,968
−HK$3,401/mo
Today · 4.125%
HK$114,369
baseline
▲ 0.50% · 4.625%
HK$121,328
+HK$6,959/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$228,738/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,727
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,938
−HK$3,257/mo
Today · 4.125%
HK$126,195
baseline
▲ 0.50% · 4.625%
HK$132,847
+HK$6,652/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$252,390/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,369
−HK$8,677/mo
▼ 0.25% · 3.875%
HK$142,673
−HK$4,373/mo
Today · 4.125%
HK$147,046
baseline
▲ 0.50% · 4.625%
HK$155,994
+HK$8,948/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$294,092/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,934
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$158,063
−HK$4,188/mo
Today · 4.125%
HK$162,251
baseline
▲ 0.50% · 4.625%
HK$170,804
+HK$8,553/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$324,502/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,757 · Scale 2, in force from 26 Feb 2026)