LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,987
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,381
−HK$2,433/mo
Today · 4.125%
HK$81,814
baseline
▲ 0.50% · 4.625%
HK$86,793
+HK$4,979/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,628/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,647
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,944
−HK$2,330/mo
Today · 4.125%
HK$90,274
baseline
▲ 0.50% · 4.625%
HK$95,033
+HK$4,759/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,548/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,384
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,258
−HK$2,919/mo
Today · 4.125%
HK$98,177
baseline
▲ 0.50% · 4.625%
HK$104,151
+HK$5,974/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$196,354/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,776
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,533
−HK$2,796/mo
Today · 4.125%
HK$108,329
baseline
▲ 0.50% · 4.625%
HK$114,039
+HK$5,710/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$216,658/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,781
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,134
−HK$3,406/mo
Today · 4.125%
HK$114,540
baseline
▲ 0.50% · 4.625%
HK$121,510
+HK$6,970/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,080/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,906
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,122
−HK$3,262/mo
Today · 4.125%
HK$126,384
baseline
▲ 0.50% · 4.625%
HK$133,046
+HK$6,662/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,768/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,576
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$142,887
−HK$4,379/mo
Today · 4.125%
HK$147,266
baseline
▲ 0.50% · 4.625%
HK$156,227
+HK$8,961/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,532/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,164
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,299
−HK$4,195/mo
Today · 4.125%
HK$162,494
baseline
▲ 0.50% · 4.625%
HK$171,059
+HK$8,565/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$324,988/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,898 · Scale 2, in force from 26 Feb 2026)