LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,067
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,464
−HK$2,436/mo
Today · 4.125%
HK$81,900
baseline
▲ 0.50% · 4.625%
HK$86,883
+HK$4,983/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,800/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,736
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,036
−HK$2,332/mo
Today · 4.125%
HK$90,368
baseline
▲ 0.50% · 4.625%
HK$95,132
+HK$4,764/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,736/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,480
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,357
−HK$2,923/mo
Today · 4.125%
HK$98,280
baseline
▲ 0.50% · 4.625%
HK$104,260
+HK$5,980/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,560/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,883
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,643
−HK$2,799/mo
Today · 4.125%
HK$108,442
baseline
▲ 0.50% · 4.625%
HK$114,158
+HK$5,716/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,884/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,894
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,250
−HK$3,409/mo
Today · 4.125%
HK$114,659
baseline
▲ 0.50% · 4.625%
HK$121,636
+HK$6,977/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,318/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,031
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,250
−HK$3,265/mo
Today · 4.125%
HK$126,515
baseline
▲ 0.50% · 4.625%
HK$133,184
+HK$6,669/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,030/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,720
−HK$8,699/mo
▼ 0.25% · 3.875%
HK$143,035
−HK$4,384/mo
Today · 4.125%
HK$147,419
baseline
▲ 0.50% · 4.625%
HK$156,389
+HK$8,970/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$294,838/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,325
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$158,464
−HK$4,199/mo
Today · 4.125%
HK$162,663
baseline
▲ 0.50% · 4.625%
HK$171,237
+HK$8,574/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$325,326/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,392 · Scale 2, in force from 26 Feb 2026)