LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,990
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,385
−HK$2,433/mo
Today · 4.125%
HK$81,818
baseline
▲ 0.50% · 4.625%
HK$86,797
+HK$4,979/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,636/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,651
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,948
−HK$2,330/mo
Today · 4.125%
HK$90,278
baseline
▲ 0.50% · 4.625%
HK$95,037
+HK$4,759/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,556/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,388
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,262
−HK$2,920/mo
Today · 4.125%
HK$98,182
baseline
▲ 0.50% · 4.625%
HK$104,156
+HK$5,974/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,364/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,781
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,537
−HK$2,797/mo
Today · 4.125%
HK$108,334
baseline
▲ 0.50% · 4.625%
HK$114,044
+HK$5,710/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,668/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,786
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,139
−HK$3,406/mo
Today · 4.125%
HK$114,545
baseline
▲ 0.50% · 4.625%
HK$121,515
+HK$6,970/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,090/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,911
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,127
−HK$3,263/mo
Today · 4.125%
HK$126,390
baseline
▲ 0.50% · 4.625%
HK$133,052
+HK$6,662/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,780/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,582
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$142,893
−HK$4,380/mo
Today · 4.125%
HK$147,273
baseline
▲ 0.50% · 4.625%
HK$156,234
+HK$8,961/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,546/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,171
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,306
−HK$4,195/mo
Today · 4.125%
HK$162,501
baseline
▲ 0.50% · 4.625%
HK$171,066
+HK$8,565/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,002/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,963 · Scale 2, in force from 26 Feb 2026)