LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,547
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,928
−HK$2,419/mo
Today · 4.125%
HK$81,347
baseline
▲ 0.50% · 4.625%
HK$86,297
+HK$4,950/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,694/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,158
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,442
−HK$2,317/mo
Today · 4.125%
HK$89,759
baseline
▲ 0.50% · 4.625%
HK$94,490
+HK$4,731/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,518/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,857
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,714
−HK$2,903/mo
Today · 4.125%
HK$97,617
baseline
▲ 0.50% · 4.625%
HK$103,557
+HK$5,940/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$195,234/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,190
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,930
−HK$2,780/mo
Today · 4.125%
HK$107,710
baseline
▲ 0.50% · 4.625%
HK$113,388
+HK$5,678/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$215,420/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,166
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,499
−HK$3,387/mo
Today · 4.125%
HK$113,886
baseline
▲ 0.50% · 4.625%
HK$120,816
+HK$6,930/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$227,772/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,221
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,419
−HK$3,243/mo
Today · 4.125%
HK$125,662
baseline
▲ 0.50% · 4.625%
HK$132,286
+HK$6,624/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$251,324/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,785
−HK$8,640/mo
▼ 0.25% · 3.875%
HK$142,071
−HK$4,354/mo
Today · 4.125%
HK$146,425
baseline
▲ 0.50% · 4.625%
HK$155,335
+HK$8,910/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$292,850/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,284
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$157,395
−HK$4,171/mo
Today · 4.125%
HK$161,566
baseline
▲ 0.50% · 4.625%
HK$170,082
+HK$8,516/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$323,132/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,705 · Scale 2, in force from 26 Feb 2026)