LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,527
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,907
−HK$2,419/mo
Today · 4.125%
HK$81,326
baseline
▲ 0.50% · 4.625%
HK$86,274
+HK$4,948/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,652/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,135
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,418
−HK$2,317/mo
Today · 4.125%
HK$89,735
baseline
▲ 0.50% · 4.625%
HK$94,465
+HK$4,730/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,470/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,832
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,688
−HK$2,903/mo
Today · 4.125%
HK$97,591
baseline
▲ 0.50% · 4.625%
HK$103,529
+HK$5,938/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$195,182/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,162
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,902
−HK$2,780/mo
Today · 4.125%
HK$107,682
baseline
▲ 0.50% · 4.625%
HK$113,358
+HK$5,676/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$215,364/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,137
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,470
−HK$3,386/mo
Today · 4.125%
HK$113,856
baseline
▲ 0.50% · 4.625%
HK$120,784
+HK$6,928/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$227,712/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,189
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,386
−HK$3,243/mo
Today · 4.125%
HK$125,629
baseline
▲ 0.50% · 4.625%
HK$132,251
+HK$6,622/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$251,258/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,748
−HK$8,638/mo
▼ 0.25% · 3.875%
HK$142,033
−HK$4,353/mo
Today · 4.125%
HK$146,386
baseline
▲ 0.50% · 4.625%
HK$155,293
+HK$8,907/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$292,772/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,243
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$157,353
−HK$4,169/mo
Today · 4.125%
HK$161,522
baseline
▲ 0.50% · 4.625%
HK$170,037
+HK$8,515/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$323,044/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,323 · Scale 2, in force from 26 Feb 2026)