LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,437
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,815
−HK$2,415/mo
Today · 4.125%
HK$81,230
baseline
▲ 0.50% · 4.625%
HK$86,173
+HK$4,943/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,460/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,035
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,316
−HK$2,314/mo
Today · 4.125%
HK$89,630
baseline
▲ 0.50% · 4.625%
HK$94,354
+HK$4,724/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,260/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,724
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,578
−HK$2,898/mo
Today · 4.125%
HK$97,476
baseline
▲ 0.50% · 4.625%
HK$103,408
+HK$5,932/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$194,952/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,043
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,779
−HK$2,777/mo
Today · 4.125%
HK$107,556
baseline
▲ 0.50% · 4.625%
HK$113,225
+HK$5,669/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$215,112/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,012
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,341
−HK$3,381/mo
Today · 4.125%
HK$113,722
baseline
▲ 0.50% · 4.625%
HK$120,642
+HK$6,920/mo
Deposit HK$10.06M · loan HK$23.46M · min. income ≈ HK$227,444/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,050
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,243
−HK$3,239/mo
Today · 4.125%
HK$125,482
baseline
▲ 0.50% · 4.625%
HK$132,096
+HK$6,614/mo
Deposit HK$10.06M · loan HK$23.46M · min. income ≈ HK$250,964/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,587
−HK$8,628/mo
▼ 0.25% · 3.875%
HK$141,866
−HK$4,349/mo
Today · 4.125%
HK$146,215
baseline
▲ 0.50% · 4.625%
HK$155,111
+HK$8,896/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,430/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,064
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$157,169
−HK$4,164/mo
Today · 4.125%
HK$161,333
baseline
▲ 0.50% · 4.625%
HK$169,838
+HK$8,505/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,666/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,654 · Scale 2, in force from 26 Feb 2026)