LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,784
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,173
−HK$2,426/mo
Today · 4.125%
HK$81,599
baseline
▲ 0.50% · 4.625%
HK$86,564
+HK$4,965/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,198/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,422
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,713
−HK$2,324/mo
Today · 4.125%
HK$90,037
baseline
▲ 0.50% · 4.625%
HK$94,783
+HK$4,746/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,074/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,141
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,007
−HK$2,912/mo
Today · 4.125%
HK$97,919
baseline
▲ 0.50% · 4.625%
HK$103,877
+HK$5,958/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,838/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,506
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,255
−HK$2,789/mo
Today · 4.125%
HK$108,044
baseline
▲ 0.50% · 4.625%
HK$113,739
+HK$5,695/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,088/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,498
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,842
−HK$3,397/mo
Today · 4.125%
HK$114,239
baseline
▲ 0.50% · 4.625%
HK$121,190
+HK$6,951/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,478/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,590
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,798
−HK$3,253/mo
Today · 4.125%
HK$126,051
baseline
▲ 0.50% · 4.625%
HK$132,696
+HK$6,645/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,102/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,211
−HK$8,668/mo
▼ 0.25% · 3.875%
HK$142,511
−HK$4,368/mo
Today · 4.125%
HK$146,879
baseline
▲ 0.50% · 4.625%
HK$155,816
+HK$8,937/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$293,758/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,759
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$157,883
−HK$4,183/mo
Today · 4.125%
HK$162,066
baseline
▲ 0.50% · 4.625%
HK$170,609
+HK$8,543/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$324,132/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,123 · Scale 2, in force from 26 Feb 2026)