LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,088
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,486
−HK$2,436/mo
Today · 4.125%
HK$81,922
baseline
▲ 0.50% · 4.625%
HK$86,907
+HK$4,985/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,844/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,760
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,060
−HK$2,333/mo
Today · 4.125%
HK$90,393
baseline
▲ 0.50% · 4.625%
HK$95,158
+HK$4,765/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,786/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,506
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,383
−HK$2,924/mo
Today · 4.125%
HK$98,307
baseline
▲ 0.50% · 4.625%
HK$104,288
+HK$5,981/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,614/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,912
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,672
−HK$2,800/mo
Today · 4.125%
HK$108,472
baseline
▲ 0.50% · 4.625%
HK$114,189
+HK$5,717/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,944/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,923
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,280
−HK$3,411/mo
Today · 4.125%
HK$114,691
baseline
▲ 0.50% · 4.625%
HK$121,670
+HK$6,979/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,382/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,064
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,284
−HK$3,266/mo
Today · 4.125%
HK$126,550
baseline
▲ 0.50% · 4.625%
HK$133,221
+HK$6,671/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,100/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,759
−HK$8,701/mo
▼ 0.25% · 3.875%
HK$143,075
−HK$4,385/mo
Today · 4.125%
HK$147,460
baseline
▲ 0.50% · 4.625%
HK$156,433
+HK$8,973/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,920/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,368
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$158,508
−HK$4,200/mo
Today · 4.125%
HK$162,708
baseline
▲ 0.50% · 4.625%
HK$171,284
+HK$8,576/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,416/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,789 · Scale 2, in force from 26 Feb 2026)