LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,531
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,911
−HK$2,419/mo
Today · 4.125%
HK$81,330
baseline
▲ 0.50% · 4.625%
HK$86,279
+HK$4,949/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,660/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,140
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,423
−HK$2,317/mo
Today · 4.125%
HK$89,740
baseline
▲ 0.50% · 4.625%
HK$94,470
+HK$4,730/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,480/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,837
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,694
−HK$2,902/mo
Today · 4.125%
HK$97,596
baseline
▲ 0.50% · 4.625%
HK$103,534
+HK$5,938/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$195,192/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,168
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,908
−HK$2,779/mo
Today · 4.125%
HK$107,687
baseline
▲ 0.50% · 4.625%
HK$113,364
+HK$5,677/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$215,374/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,143
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,476
−HK$3,386/mo
Today · 4.125%
HK$113,862
baseline
▲ 0.50% · 4.625%
HK$120,790
+HK$6,928/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$227,724/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,196
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,392
−HK$3,243/mo
Today · 4.125%
HK$125,635
baseline
▲ 0.50% · 4.625%
HK$132,258
+HK$6,623/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$251,270/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,755
−HK$8,639/mo
▼ 0.25% · 3.875%
HK$142,040
−HK$4,354/mo
Today · 4.125%
HK$146,394
baseline
▲ 0.50% · 4.625%
HK$155,302
+HK$8,908/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$292,788/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,251
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$157,362
−HK$4,169/mo
Today · 4.125%
HK$161,531
baseline
▲ 0.50% · 4.625%
HK$170,046
+HK$8,515/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$323,062/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,400 · Scale 2, in force from 26 Feb 2026)