LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,528
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,909
−HK$2,418/mo
Today · 4.125%
HK$81,327
baseline
▲ 0.50% · 4.625%
HK$86,276
+HK$4,949/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,654/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,137
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,420
−HK$2,317/mo
Today · 4.125%
HK$89,737
baseline
▲ 0.50% · 4.625%
HK$94,467
+HK$4,730/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,474/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,834
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,691
−HK$2,902/mo
Today · 4.125%
HK$97,593
baseline
▲ 0.50% · 4.625%
HK$103,531
+HK$5,938/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$195,186/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,164
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,904
−HK$2,780/mo
Today · 4.125%
HK$107,684
baseline
▲ 0.50% · 4.625%
HK$113,360
+HK$5,676/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$215,368/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,140
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,472
−HK$3,386/mo
Today · 4.125%
HK$113,858
baseline
▲ 0.50% · 4.625%
HK$120,786
+HK$6,928/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$227,716/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,192
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,389
−HK$3,242/mo
Today · 4.125%
HK$125,631
baseline
▲ 0.50% · 4.625%
HK$132,254
+HK$6,623/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$251,262/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,751
−HK$8,638/mo
▼ 0.25% · 3.875%
HK$142,036
−HK$4,353/mo
Today · 4.125%
HK$146,389
baseline
▲ 0.50% · 4.625%
HK$155,297
+HK$8,908/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$292,778/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,247
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$157,357
−HK$4,169/mo
Today · 4.125%
HK$161,526
baseline
▲ 0.50% · 4.625%
HK$170,040
+HK$8,514/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$323,052/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,356 · Scale 2, in force from 26 Feb 2026)