LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,086
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,484
−HK$2,436/mo
Today · 4.125%
HK$81,920
baseline
▲ 0.50% · 4.625%
HK$86,904
+HK$4,984/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,840/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,757
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,057
−HK$2,333/mo
Today · 4.125%
HK$90,390
baseline
▲ 0.50% · 4.625%
HK$95,155
+HK$4,765/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,780/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,503
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,380
−HK$2,924/mo
Today · 4.125%
HK$98,304
baseline
▲ 0.50% · 4.625%
HK$104,285
+HK$5,981/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,608/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,908
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,668
−HK$2,800/mo
Today · 4.125%
HK$108,468
baseline
▲ 0.50% · 4.625%
HK$114,186
+HK$5,718/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,936/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,920
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,277
−HK$3,411/mo
Today · 4.125%
HK$114,688
baseline
▲ 0.50% · 4.625%
HK$121,666
+HK$6,978/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,376/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,060
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,280
−HK$3,266/mo
Today · 4.125%
HK$126,546
baseline
▲ 0.50% · 4.625%
HK$133,217
+HK$6,671/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,092/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,754
−HK$8,701/mo
▼ 0.25% · 3.875%
HK$143,070
−HK$4,385/mo
Today · 4.125%
HK$147,455
baseline
▲ 0.50% · 4.625%
HK$156,428
+HK$8,973/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,910/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,363
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$158,503
−HK$4,199/mo
Today · 4.125%
HK$162,702
baseline
▲ 0.50% · 4.625%
HK$171,279
+HK$8,577/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,404/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,744 · Scale 2, in force from 26 Feb 2026)