LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,311
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,685
−HK$2,412/mo
Today · 4.125%
HK$81,097
baseline
▲ 0.50% · 4.625%
HK$86,031
+HK$4,934/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$162,194/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,896
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,173
−HK$2,309/mo
Today · 4.125%
HK$89,482
baseline
▲ 0.50% · 4.625%
HK$94,199
+HK$4,717/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$178,964/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,574
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,422
−HK$2,894/mo
Today · 4.125%
HK$97,316
baseline
▲ 0.50% · 4.625%
HK$103,238
+HK$5,922/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$194,632/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,875
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,607
−HK$2,772/mo
Today · 4.125%
HK$107,379
baseline
▲ 0.50% · 4.625%
HK$113,039
+HK$5,660/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$214,758/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,836
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,159
−HK$3,377/mo
Today · 4.125%
HK$113,536
baseline
▲ 0.50% · 4.625%
HK$120,444
+HK$6,908/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$227,072/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,854
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,042
−HK$3,233/mo
Today · 4.125%
HK$125,275
baseline
▲ 0.50% · 4.625%
HK$131,879
+HK$6,604/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$250,550/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,361
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$141,633
−HK$4,341/mo
Today · 4.125%
HK$145,974
baseline
▲ 0.50% · 4.625%
HK$154,856
+HK$8,882/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$291,948/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,812
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$156,911
−HK$4,157/mo
Today · 4.125%
HK$161,068
baseline
▲ 0.50% · 4.625%
HK$169,558
+HK$8,490/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$322,136/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,312 · Scale 2, in force from 26 Feb 2026)