LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,075
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,472
−HK$2,436/mo
Today · 4.125%
HK$81,908
baseline
▲ 0.50% · 4.625%
HK$86,892
+HK$4,984/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,816/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,745
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,045
−HK$2,333/mo
Today · 4.125%
HK$90,378
baseline
▲ 0.50% · 4.625%
HK$95,141
+HK$4,763/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,756/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,490
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,367
−HK$2,923/mo
Today · 4.125%
HK$98,290
baseline
▲ 0.50% · 4.625%
HK$104,270
+HK$5,980/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,580/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,894
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,654
−HK$2,799/mo
Today · 4.125%
HK$108,453
baseline
▲ 0.50% · 4.625%
HK$114,170
+HK$5,717/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,906/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,905
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,261
−HK$3,410/mo
Today · 4.125%
HK$114,671
baseline
▲ 0.50% · 4.625%
HK$121,649
+HK$6,978/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,342/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,043
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,263
−HK$3,266/mo
Today · 4.125%
HK$126,529
baseline
▲ 0.50% · 4.625%
HK$133,198
+HK$6,669/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,058/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,735
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$143,050
−HK$4,385/mo
Today · 4.125%
HK$147,435
baseline
▲ 0.50% · 4.625%
HK$156,406
+HK$8,971/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$294,870/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,341
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$158,480
−HK$4,200/mo
Today · 4.125%
HK$162,680
baseline
▲ 0.50% · 4.625%
HK$171,255
+HK$8,575/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$325,360/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,542 · Scale 2, in force from 26 Feb 2026)