LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,444
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,821
−HK$2,416/mo
Today · 4.125%
HK$81,237
baseline
▲ 0.50% · 4.625%
HK$86,180
+HK$4,943/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,474/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,043
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,324
−HK$2,313/mo
Today · 4.125%
HK$89,637
baseline
▲ 0.50% · 4.625%
HK$94,362
+HK$4,725/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,274/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,732
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,586
−HK$2,899/mo
Today · 4.125%
HK$97,485
baseline
▲ 0.50% · 4.625%
HK$103,416
+HK$5,931/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$194,970/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,051
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,788
−HK$2,777/mo
Today · 4.125%
HK$107,565
baseline
▲ 0.50% · 4.625%
HK$113,235
+HK$5,670/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$215,130/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,021
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,350
−HK$3,382/mo
Today · 4.125%
HK$113,732
baseline
▲ 0.50% · 4.625%
HK$120,653
+HK$6,921/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,464/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,060
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,253
−HK$3,239/mo
Today · 4.125%
HK$125,492
baseline
▲ 0.50% · 4.625%
HK$132,107
+HK$6,615/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$250,984/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,598
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,879
−HK$4,348/mo
Today · 4.125%
HK$146,227
baseline
▲ 0.50% · 4.625%
HK$155,125
+HK$8,898/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,454/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,077
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,182
−HK$4,165/mo
Today · 4.125%
HK$161,347
baseline
▲ 0.50% · 4.625%
HK$169,852
+HK$8,505/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,694/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,776 · Scale 2, in force from 26 Feb 2026)