LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,969
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,363
−HK$2,432/mo
Today · 4.125%
HK$81,795
baseline
▲ 0.50% · 4.625%
HK$86,772
+HK$4,977/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,590/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,627
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,923
−HK$2,330/mo
Today · 4.125%
HK$90,253
baseline
▲ 0.50% · 4.625%
HK$95,010
+HK$4,757/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,506/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,362
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,235
−HK$2,919/mo
Today · 4.125%
HK$98,154
baseline
▲ 0.50% · 4.625%
HK$104,127
+HK$5,973/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,308/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,752
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,508
−HK$2,796/mo
Today · 4.125%
HK$108,304
baseline
▲ 0.50% · 4.625%
HK$114,013
+HK$5,709/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,608/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,756
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,108
−HK$3,405/mo
Today · 4.125%
HK$114,513
baseline
▲ 0.50% · 4.625%
HK$121,481
+HK$6,968/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,026/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,878
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,093
−HK$3,261/mo
Today · 4.125%
HK$126,354
baseline
▲ 0.50% · 4.625%
HK$133,015
+HK$6,661/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,708/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,544
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$142,853
−HK$4,379/mo
Today · 4.125%
HK$147,232
baseline
▲ 0.50% · 4.625%
HK$156,190
+HK$8,958/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$294,464/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,128
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$158,262
−HK$4,194/mo
Today · 4.125%
HK$162,456
baseline
▲ 0.50% · 4.625%
HK$171,019
+HK$8,563/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$324,912/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,563 · Scale 2, in force from 26 Feb 2026)