LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,447
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,825
−HK$2,416/mo
Today · 4.125%
HK$81,241
baseline
▲ 0.50% · 4.625%
HK$86,184
+HK$4,943/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,482/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,046
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,327
−HK$2,314/mo
Today · 4.125%
HK$89,641
baseline
▲ 0.50% · 4.625%
HK$94,366
+HK$4,725/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,282/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,736
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,590
−HK$2,899/mo
Today · 4.125%
HK$97,489
baseline
▲ 0.50% · 4.625%
HK$103,421
+HK$5,932/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$194,978/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,424,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,056
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,793
−HK$2,776/mo
Today · 4.125%
HK$107,569
baseline
▲ 0.50% · 4.625%
HK$113,240
+HK$5,671/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$215,138/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,424,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,026
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,355
−HK$3,382/mo
Today · 4.125%
HK$113,737
baseline
▲ 0.50% · 4.625%
HK$120,658
+HK$6,921/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,474/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,065
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,258
−HK$3,240/mo
Today · 4.125%
HK$125,498
baseline
▲ 0.50% · 4.625%
HK$132,113
+HK$6,615/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$250,996/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,604
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,885
−HK$4,348/mo
Today · 4.125%
HK$146,233
baseline
▲ 0.50% · 4.625%
HK$155,131
+HK$8,898/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,466/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,084
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,189
−HK$4,165/mo
Today · 4.125%
HK$161,354
baseline
▲ 0.50% · 4.625%
HK$169,859
+HK$8,505/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,708/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,837 · Scale 2, in force from 26 Feb 2026)