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$1,423,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,939
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,217
−HK$2,311/mo
Today · 4.125%
HK$89,528
baseline
▲ 0.50% · 4.625%
HK$94,247
+HK$4,719/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$179,056/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,423,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,620
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,470
−HK$2,896/mo
Today · 4.125%
HK$97,366
baseline
▲ 0.50% · 4.625%
HK$103,290
+HK$5,924/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$194,732/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,927
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,660
−HK$2,774/mo
Today · 4.125%
HK$107,434
baseline
▲ 0.50% · 4.625%
HK$113,097
+HK$5,663/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$214,868/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,891
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,215
−HK$3,379/mo
Today · 4.125%
HK$113,594
baseline
▲ 0.50% · 4.625%
HK$120,505
+HK$6,911/mo
Deposit HK$10.04M · loan HK$23.44M · min. income ≈ HK$227,188/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,915
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,104
−HK$3,235/mo
Today · 4.125%
HK$125,339
baseline
▲ 0.50% · 4.625%
HK$131,946
+HK$6,607/mo
Deposit HK$10.04M · loan HK$23.44M · min. income ≈ HK$250,678/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,431
−HK$8,618/mo
▼ 0.25% · 3.875%
HK$141,706
−HK$4,343/mo
Today · 4.125%
HK$146,049
baseline
▲ 0.50% · 4.625%
HK$154,936
+HK$8,887/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$292,098/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,890
−HK$8,260/mo
▼ 0.25% · 3.875%
HK$156,991
−HK$4,159/mo
Today · 4.125%
HK$161,150
baseline
▲ 0.50% · 4.625%
HK$169,645
+HK$8,495/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$322,300/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,038 · Scale 2, in force from 26 Feb 2026)