LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,501
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,881
−HK$2,418/mo
Today · 4.125%
HK$81,299
baseline
▲ 0.50% · 4.625%
HK$86,246
+HK$4,947/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,598/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,107
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,390
−HK$2,315/mo
Today · 4.125%
HK$89,705
baseline
▲ 0.50% · 4.625%
HK$94,434
+HK$4,729/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,410/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,802
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$94,657
−HK$2,902/mo
Today · 4.125%
HK$97,559
baseline
▲ 0.50% · 4.625%
HK$103,495
+HK$5,936/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,118/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,425,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,129
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,868
−HK$2,778/mo
Today · 4.125%
HK$107,646
baseline
▲ 0.50% · 4.625%
HK$113,320
+HK$5,674/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,292/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,425,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,102
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,434
−HK$3,384/mo
Today · 4.125%
HK$113,818
baseline
▲ 0.50% · 4.625%
HK$120,744
+HK$6,926/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,636/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,150
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,345
−HK$3,242/mo
Today · 4.125%
HK$125,587
baseline
▲ 0.50% · 4.625%
HK$132,207
+HK$6,620/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,174/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,703
−HK$8,635/mo
▼ 0.25% · 3.875%
HK$141,986
−HK$4,352/mo
Today · 4.125%
HK$146,338
baseline
▲ 0.50% · 4.625%
HK$155,242
+HK$8,904/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$292,676/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,193
−HK$8,276/mo
▼ 0.25% · 3.875%
HK$157,301
−HK$4,168/mo
Today · 4.125%
HK$161,469
baseline
▲ 0.50% · 4.625%
HK$169,981
+HK$8,512/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$322,938/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,854 · Scale 2, in force from 26 Feb 2026)