LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,520
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,901
−HK$2,418/mo
Today · 4.125%
HK$81,319
baseline
▲ 0.50% · 4.625%
HK$86,267
+HK$4,948/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,638/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,128
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,411
−HK$2,316/mo
Today · 4.125%
HK$89,727
baseline
▲ 0.50% · 4.625%
HK$94,457
+HK$4,730/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,454/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,824
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,681
−HK$2,902/mo
Today · 4.125%
HK$97,583
baseline
▲ 0.50% · 4.625%
HK$103,520
+HK$5,937/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,166/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,154
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,894
−HK$2,779/mo
Today · 4.125%
HK$107,673
baseline
▲ 0.50% · 4.625%
HK$113,348
+HK$5,675/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,346/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,129
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,461
−HK$3,385/mo
Today · 4.125%
HK$113,846
baseline
▲ 0.50% · 4.625%
HK$120,774
+HK$6,928/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$227,692/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,179
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,376
−HK$3,242/mo
Today · 4.125%
HK$125,618
baseline
▲ 0.50% · 4.625%
HK$132,240
+HK$6,622/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$251,236/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,737
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$142,021
−HK$4,353/mo
Today · 4.125%
HK$146,374
baseline
▲ 0.50% · 4.625%
HK$155,281
+HK$8,907/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$292,748/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,231
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$157,340
−HK$4,169/mo
Today · 4.125%
HK$161,509
baseline
▲ 0.50% · 4.625%
HK$170,023
+HK$8,514/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$323,018/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,207 · Scale 2, in force from 26 Feb 2026)