LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,277
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,650
−HK$2,410/mo
Today · 4.125%
HK$81,060
baseline
▲ 0.50% · 4.625%
HK$85,993
+HK$4,933/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$162,120/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,858
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,133
−HK$2,309/mo
Today · 4.125%
HK$89,442
baseline
▲ 0.50% · 4.625%
HK$94,157
+HK$4,715/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$178,884/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,533
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,380
−HK$2,892/mo
Today · 4.125%
HK$97,272
baseline
▲ 0.50% · 4.625%
HK$103,191
+HK$5,919/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$194,544/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,829
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,560
−HK$2,771/mo
Today · 4.125%
HK$107,331
baseline
▲ 0.50% · 4.625%
HK$112,988
+HK$5,657/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$214,662/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,788
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$110,110
−HK$3,375/mo
Today · 4.125%
HK$113,485
baseline
▲ 0.50% · 4.625%
HK$120,390
+HK$6,905/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$226,970/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,801
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,987
−HK$3,232/mo
Today · 4.125%
HK$125,219
baseline
▲ 0.50% · 4.625%
HK$131,819
+HK$6,600/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$250,438/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,299
−HK$8,610/mo
▼ 0.25% · 3.875%
HK$141,570
−HK$4,339/mo
Today · 4.125%
HK$145,909
baseline
▲ 0.50% · 4.625%
HK$154,787
+HK$8,878/mo
Deposit HK$3.35M · loan HK$30.11M · min. income ≈ HK$291,818/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,744
−HK$8,252/mo
▼ 0.25% · 3.875%
HK$156,840
−HK$4,156/mo
Today · 4.125%
HK$160,996
baseline
▲ 0.50% · 4.625%
HK$169,482
+HK$8,486/mo
Deposit HK$3.35M · loan HK$30.11M · min. income ≈ HK$321,992/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,673 · Scale 2, in force from 26 Feb 2026)