LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,336
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,710
−HK$2,412/mo
Today · 4.125%
HK$81,122
baseline
▲ 0.50% · 4.625%
HK$86,059
+HK$4,937/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,244/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,923
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,200
−HK$2,311/mo
Today · 4.125%
HK$89,511
baseline
▲ 0.50% · 4.625%
HK$94,229
+HK$4,718/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$179,022/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,603
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,452
−HK$2,895/mo
Today · 4.125%
HK$97,347
baseline
▲ 0.50% · 4.625%
HK$103,270
+HK$5,923/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$194,694/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,907
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,640
−HK$2,773/mo
Today · 4.125%
HK$107,413
baseline
▲ 0.50% · 4.625%
HK$113,075
+HK$5,662/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$214,826/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,870
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$110,194
−HK$3,377/mo
Today · 4.125%
HK$113,571
baseline
▲ 0.50% · 4.625%
HK$120,482
+HK$6,911/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$227,142/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,892
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,080
−HK$3,235/mo
Today · 4.125%
HK$125,315
baseline
▲ 0.50% · 4.625%
HK$131,920
+HK$6,605/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$250,630/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,404
−HK$8,616/mo
▼ 0.25% · 3.875%
HK$141,678
−HK$4,342/mo
Today · 4.125%
HK$146,020
baseline
▲ 0.50% · 4.625%
HK$154,905
+HK$8,885/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$292,040/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,861
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$156,960
−HK$4,159/mo
Today · 4.125%
HK$161,119
baseline
▲ 0.50% · 4.625%
HK$169,612
+HK$8,493/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$322,238/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,762 · Scale 2, in force from 26 Feb 2026)