LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,003
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,399
−HK$2,433/mo
Today · 4.125%
HK$81,832
baseline
▲ 0.50% · 4.625%
HK$86,812
+HK$4,980/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,664/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,666
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,963
−HK$2,331/mo
Today · 4.125%
HK$90,294
baseline
▲ 0.50% · 4.625%
HK$95,053
+HK$4,759/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,588/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,404
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,278
−HK$2,921/mo
Today · 4.125%
HK$98,199
baseline
▲ 0.50% · 4.625%
HK$104,174
+HK$5,975/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,398/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,799
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,556
−HK$2,797/mo
Today · 4.125%
HK$108,353
baseline
▲ 0.50% · 4.625%
HK$114,064
+HK$5,711/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,706/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,805
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,158
−HK$3,407/mo
Today · 4.125%
HK$114,565
baseline
▲ 0.50% · 4.625%
HK$121,536
+HK$6,971/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,130/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,932
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,148
−HK$3,263/mo
Today · 4.125%
HK$126,411
baseline
▲ 0.50% · 4.625%
HK$133,075
+HK$6,664/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,822/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,606
−HK$8,692/mo
▼ 0.25% · 3.875%
HK$142,918
−HK$4,380/mo
Today · 4.125%
HK$147,298
baseline
▲ 0.50% · 4.625%
HK$156,261
+HK$8,963/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,596/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,198
−HK$8,331/mo
▼ 0.25% · 3.875%
HK$158,334
−HK$4,195/mo
Today · 4.125%
HK$162,529
baseline
▲ 0.50% · 4.625%
HK$171,096
+HK$8,567/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,058/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,210 · Scale 2, in force from 26 Feb 2026)