LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,439
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,816
−HK$2,416/mo
Today · 4.125%
HK$81,232
baseline
▲ 0.50% · 4.625%
HK$86,175
+HK$4,943/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,464/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,037
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,318
−HK$2,313/mo
Today · 4.125%
HK$89,631
baseline
▲ 0.50% · 4.625%
HK$94,356
+HK$4,725/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,262/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,726
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,579
−HK$2,899/mo
Today · 4.125%
HK$97,478
baseline
▲ 0.50% · 4.625%
HK$103,410
+HK$5,932/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$194,956/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,045
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,781
−HK$2,777/mo
Today · 4.125%
HK$107,558
baseline
▲ 0.50% · 4.625%
HK$113,227
+HK$5,669/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$215,116/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,014
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,343
−HK$3,382/mo
Today · 4.125%
HK$113,725
baseline
▲ 0.50% · 4.625%
HK$120,645
+HK$6,920/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,450/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,052
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,245
−HK$3,239/mo
Today · 4.125%
HK$125,484
baseline
▲ 0.50% · 4.625%
HK$132,098
+HK$6,614/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$250,968/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,589
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,869
−HK$4,349/mo
Today · 4.125%
HK$146,218
baseline
▲ 0.50% · 4.625%
HK$155,114
+HK$8,896/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,436/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,067
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,172
−HK$4,165/mo
Today · 4.125%
HK$161,337
baseline
▲ 0.50% · 4.625%
HK$169,841
+HK$8,504/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,674/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,682 · Scale 2, in force from 26 Feb 2026)