LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,273
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,645
−HK$2,411/mo
Today · 4.125%
HK$81,056
baseline
▲ 0.50% · 4.625%
HK$85,988
+HK$4,932/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$162,112/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,853
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,129
−HK$2,308/mo
Today · 4.125%
HK$89,437
baseline
▲ 0.50% · 4.625%
HK$94,151
+HK$4,714/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$178,874/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,527
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,374
−HK$2,893/mo
Today · 4.125%
HK$97,267
baseline
▲ 0.50% · 4.625%
HK$103,185
+HK$5,918/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$194,534/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,823
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,554
−HK$2,771/mo
Today · 4.125%
HK$107,325
baseline
▲ 0.50% · 4.625%
HK$112,982
+HK$5,657/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$214,650/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,782
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$110,104
−HK$3,374/mo
Today · 4.125%
HK$113,478
baseline
▲ 0.50% · 4.625%
HK$120,383
+HK$6,905/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$226,956/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,794
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,980
−HK$3,232/mo
Today · 4.125%
HK$125,212
baseline
▲ 0.50% · 4.625%
HK$131,812
+HK$6,600/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$250,424/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,291
−HK$8,610/mo
▼ 0.25% · 3.875%
HK$141,562
−HK$4,339/mo
Today · 4.125%
HK$145,901
baseline
▲ 0.50% · 4.625%
HK$154,778
+HK$8,877/mo
Deposit HK$3.34M · loan HK$30.10M · min. income ≈ HK$291,802/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,735
−HK$8,252/mo
▼ 0.25% · 3.875%
HK$156,831
−HK$4,156/mo
Today · 4.125%
HK$160,987
baseline
▲ 0.50% · 4.625%
HK$169,473
+HK$8,486/mo
Deposit HK$3.34M · loan HK$30.10M · min. income ≈ HK$321,974/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,594 · Scale 2, in force from 26 Feb 2026)