LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,350
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,725
−HK$2,413/mo
Today · 4.125%
HK$81,138
baseline
▲ 0.50% · 4.625%
HK$86,075
+HK$4,937/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,276/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,423,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,938
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,216
−HK$2,311/mo
Today · 4.125%
HK$89,527
baseline
▲ 0.50% · 4.625%
HK$94,246
+HK$4,719/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$179,054/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,423,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,620
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,470
−HK$2,895/mo
Today · 4.125%
HK$97,365
baseline
▲ 0.50% · 4.625%
HK$103,289
+HK$5,924/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$194,730/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,926
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,660
−HK$2,773/mo
Today · 4.125%
HK$107,433
baseline
▲ 0.50% · 4.625%
HK$113,096
+HK$5,663/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$214,866/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,890
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,214
−HK$3,379/mo
Today · 4.125%
HK$113,593
baseline
▲ 0.50% · 4.625%
HK$120,504
+HK$6,911/mo
Deposit HK$10.04M · loan HK$23.44M · min. income ≈ HK$227,186/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,914
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,103
−HK$3,235/mo
Today · 4.125%
HK$125,338
baseline
▲ 0.50% · 4.625%
HK$131,945
+HK$6,607/mo
Deposit HK$10.04M · loan HK$23.44M · min. income ≈ HK$250,676/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,429
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$141,704
−HK$4,344/mo
Today · 4.125%
HK$146,048
baseline
▲ 0.50% · 4.625%
HK$154,934
+HK$8,886/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$292,096/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,889
−HK$8,260/mo
▼ 0.25% · 3.875%
HK$156,989
−HK$4,160/mo
Today · 4.125%
HK$161,149
baseline
▲ 0.50% · 4.625%
HK$169,643
+HK$8,494/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$322,298/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,026 · Scale 2, in force from 26 Feb 2026)