LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,448
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,826
−HK$2,416/mo
Today · 4.125%
HK$81,242
baseline
▲ 0.50% · 4.625%
HK$86,186
+HK$4,944/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,484/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,048
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,329
−HK$2,314/mo
Today · 4.125%
HK$89,643
baseline
▲ 0.50% · 4.625%
HK$94,368
+HK$4,725/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,286/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,738
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,592
−HK$2,899/mo
Today · 4.125%
HK$97,491
baseline
▲ 0.50% · 4.625%
HK$103,423
+HK$5,932/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$194,982/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,424,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,058
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,795
−HK$2,777/mo
Today · 4.125%
HK$107,572
baseline
▲ 0.50% · 4.625%
HK$113,242
+HK$5,670/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$215,144/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,424,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,028
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,357
−HK$3,382/mo
Today · 4.125%
HK$113,739
baseline
▲ 0.50% · 4.625%
HK$120,660
+HK$6,921/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,478/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,067
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,261
−HK$3,239/mo
Today · 4.125%
HK$125,500
baseline
▲ 0.50% · 4.625%
HK$132,116
+HK$6,616/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$251,000/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,607
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,888
−HK$4,348/mo
Today · 4.125%
HK$146,236
baseline
▲ 0.50% · 4.625%
HK$155,135
+HK$8,899/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,472/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,087
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,192
−HK$4,165/mo
Today · 4.125%
HK$161,357
baseline
▲ 0.50% · 4.625%
HK$169,863
+HK$8,506/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,714/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,867 · Scale 2, in force from 26 Feb 2026)