LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,984
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,378
−HK$2,433/mo
Today · 4.125%
HK$81,811
baseline
▲ 0.50% · 4.625%
HK$86,789
+HK$4,978/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,622/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,644
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,941
−HK$2,330/mo
Today · 4.125%
HK$90,271
baseline
▲ 0.50% · 4.625%
HK$95,029
+HK$4,758/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,542/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,381
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,254
−HK$2,920/mo
Today · 4.125%
HK$98,174
baseline
▲ 0.50% · 4.625%
HK$104,147
+HK$5,973/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$196,348/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,772
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,529
−HK$2,796/mo
Today · 4.125%
HK$108,325
baseline
▲ 0.50% · 4.625%
HK$114,035
+HK$5,710/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$216,650/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,777
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,130
−HK$3,406/mo
Today · 4.125%
HK$114,536
baseline
▲ 0.50% · 4.625%
HK$121,505
+HK$6,969/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,072/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,901
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,117
−HK$3,262/mo
Today · 4.125%
HK$126,379
baseline
▲ 0.50% · 4.625%
HK$133,041
+HK$6,662/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,758/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,571
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$142,881
−HK$4,379/mo
Today · 4.125%
HK$147,260
baseline
▲ 0.50% · 4.625%
HK$156,221
+HK$8,961/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$294,520/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,159
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$158,293
−HK$4,194/mo
Today · 4.125%
HK$162,487
baseline
▲ 0.50% · 4.625%
HK$171,052
+HK$8,565/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$324,974/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,844 · Scale 2, in force from 26 Feb 2026)