LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,263
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,636
−HK$2,410/mo
Today · 4.125%
HK$81,046
baseline
▲ 0.50% · 4.625%
HK$85,977
+HK$4,931/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$162,092/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,421,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,842
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,118
−HK$2,308/mo
Today · 4.125%
HK$89,426
baseline
▲ 0.50% · 4.625%
HK$94,140
+HK$4,714/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$178,852/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,421,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,516
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,363
−HK$2,892/mo
Today · 4.125%
HK$97,255
baseline
▲ 0.50% · 4.625%
HK$103,173
+HK$5,918/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$194,510/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,811
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,541
−HK$2,770/mo
Today · 4.125%
HK$107,311
baseline
▲ 0.50% · 4.625%
HK$112,968
+HK$5,657/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$214,622/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,769
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,090
−HK$3,374/mo
Today · 4.125%
HK$113,464
baseline
▲ 0.50% · 4.625%
HK$120,368
+HK$6,904/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$226,928/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,421,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,779
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,965
−HK$3,232/mo
Today · 4.125%
HK$125,197
baseline
▲ 0.50% · 4.625%
HK$131,796
+HK$6,599/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$250,394/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,421,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,274
−HK$8,608/mo
▼ 0.25% · 3.875%
HK$141,544
−HK$4,338/mo
Today · 4.125%
HK$145,882
baseline
▲ 0.50% · 4.625%
HK$154,759
+HK$8,877/mo
Deposit HK$3.34M · loan HK$30.10M · min. income ≈ HK$291,764/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,716
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$156,812
−HK$4,155/mo
Today · 4.125%
HK$160,967
baseline
▲ 0.50% · 4.625%
HK$169,452
+HK$8,485/mo
Deposit HK$3.34M · loan HK$30.10M · min. income ≈ HK$321,934/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,418 · Scale 2, in force from 26 Feb 2026)