LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,976
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,371
−HK$2,432/mo
Today · 4.125%
HK$81,803
baseline
▲ 0.50% · 4.625%
HK$86,781
+HK$4,978/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,606/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,635
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,932
−HK$2,330/mo
Today · 4.125%
HK$90,262
baseline
▲ 0.50% · 4.625%
HK$95,020
+HK$4,758/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,524/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,371
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,245
−HK$2,919/mo
Today · 4.125%
HK$98,164
baseline
▲ 0.50% · 4.625%
HK$104,137
+HK$5,973/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,328/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,762
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,518
−HK$2,796/mo
Today · 4.125%
HK$108,314
baseline
▲ 0.50% · 4.625%
HK$114,024
+HK$5,710/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,628/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,767
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,119
−HK$3,406/mo
Today · 4.125%
HK$114,525
baseline
▲ 0.50% · 4.625%
HK$121,493
+HK$6,968/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,050/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,889
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,105
−HK$3,262/mo
Today · 4.125%
HK$126,367
baseline
▲ 0.50% · 4.625%
HK$133,028
+HK$6,661/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,734/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,557
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$142,867
−HK$4,379/mo
Today · 4.125%
HK$147,246
baseline
▲ 0.50% · 4.625%
HK$156,205
+HK$8,959/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$294,492/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,143
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$158,277
−HK$4,194/mo
Today · 4.125%
HK$162,471
baseline
▲ 0.50% · 4.625%
HK$171,035
+HK$8,564/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$324,942/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,702 · Scale 2, in force from 26 Feb 2026)