LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,961
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,355
−HK$2,432/mo
Today · 4.125%
HK$81,787
baseline
▲ 0.50% · 4.625%
HK$86,764
+HK$4,977/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,574/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,618
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,915
−HK$2,329/mo
Today · 4.125%
HK$90,244
baseline
▲ 0.50% · 4.625%
HK$95,001
+HK$4,757/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,488/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,353
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,226
−HK$2,919/mo
Today · 4.125%
HK$98,145
baseline
▲ 0.50% · 4.625%
HK$104,116
+HK$5,971/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,290/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,742
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,497
−HK$2,796/mo
Today · 4.125%
HK$108,293
baseline
▲ 0.50% · 4.625%
HK$114,001
+HK$5,708/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,586/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,745
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,097
−HK$3,405/mo
Today · 4.125%
HK$114,502
baseline
▲ 0.50% · 4.625%
HK$121,469
+HK$6,967/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,004/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,866
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,080
−HK$3,262/mo
Today · 4.125%
HK$126,342
baseline
▲ 0.50% · 4.625%
HK$133,001
+HK$6,659/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,684/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,530
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$142,839
−HK$4,378/mo
Today · 4.125%
HK$147,217
baseline
▲ 0.50% · 4.625%
HK$156,175
+HK$8,958/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$294,434/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,113
−HK$8,326/mo
▼ 0.25% · 3.875%
HK$158,246
−HK$4,193/mo
Today · 4.125%
HK$162,439
baseline
▲ 0.50% · 4.625%
HK$171,002
+HK$8,563/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$324,878/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,418 · Scale 2, in force from 26 Feb 2026)