LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,991
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,386
−HK$2,433/mo
Today · 4.125%
HK$81,819
baseline
▲ 0.50% · 4.625%
HK$86,797
+HK$4,978/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,638/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,651
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,948
−HK$2,331/mo
Today · 4.125%
HK$90,279
baseline
▲ 0.50% · 4.625%
HK$95,038
+HK$4,759/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,558/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,389
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,263
−HK$2,919/mo
Today · 4.125%
HK$98,182
baseline
▲ 0.50% · 4.625%
HK$104,157
+HK$5,975/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$1,434,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,782
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,538
−HK$2,797/mo
Today · 4.125%
HK$108,335
baseline
▲ 0.50% · 4.625%
HK$114,045
+HK$5,710/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,670/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,787
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,140
−HK$3,406/mo
Today · 4.125%
HK$114,546
baseline
▲ 0.50% · 4.625%
HK$121,516
+HK$6,970/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,092/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,912
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,128
−HK$3,262/mo
Today · 4.125%
HK$126,390
baseline
▲ 0.50% · 4.625%
HK$133,053
+HK$6,663/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$1,434,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,583
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$142,894
−HK$4,380/mo
Today · 4.125%
HK$147,274
baseline
▲ 0.50% · 4.625%
HK$156,235
+HK$8,961/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,548/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,172
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,307
−HK$4,195/mo
Today · 4.125%
HK$162,502
baseline
▲ 0.50% · 4.625%
HK$171,068
+HK$8,566/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,004/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,972 · Scale 2, in force from 26 Feb 2026)