LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,232
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,603
−HK$2,409/mo
Today · 4.125%
HK$81,012
baseline
▲ 0.50% · 4.625%
HK$85,942
+HK$4,930/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$162,024/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,420,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,807
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,082
−HK$2,307/mo
Today · 4.125%
HK$89,389
baseline
▲ 0.50% · 4.625%
HK$94,101
+HK$4,712/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$178,778/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,420,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,478
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,324
−HK$2,891/mo
Today · 4.125%
HK$97,215
baseline
▲ 0.50% · 4.625%
HK$103,130
+HK$5,915/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$194,430/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,769
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$104,498
−HK$2,769/mo
Today · 4.125%
HK$107,267
baseline
▲ 0.50% · 4.625%
HK$112,921
+HK$5,654/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$214,534/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,725
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,044
−HK$3,373/mo
Today · 4.125%
HK$113,417
baseline
▲ 0.50% · 4.625%
HK$120,318
+HK$6,901/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$226,834/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,730
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,914
−HK$3,231/mo
Today · 4.125%
HK$125,145
baseline
▲ 0.50% · 4.625%
HK$131,741
+HK$6,596/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$250,290/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,217
−HK$8,605/mo
▼ 0.25% · 3.875%
HK$141,486
−HK$4,336/mo
Today · 4.125%
HK$145,822
baseline
▲ 0.50% · 4.625%
HK$154,695
+HK$8,873/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$291,644/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,653
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$156,747
−HK$4,153/mo
Today · 4.125%
HK$160,900
baseline
▲ 0.50% · 4.625%
HK$169,381
+HK$8,481/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$321,800/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,829 · Scale 2, in force from 26 Feb 2026)