LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,807
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,196
−HK$2,428/mo
Today · 4.125%
HK$81,624
baseline
▲ 0.50% · 4.625%
HK$86,590
+HK$4,966/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,248/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,447
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,739
−HK$2,325/mo
Today · 4.125%
HK$90,064
baseline
▲ 0.50% · 4.625%
HK$94,811
+HK$4,747/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,128/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,169
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,036
−HK$2,913/mo
Today · 4.125%
HK$97,949
baseline
▲ 0.50% · 4.625%
HK$103,908
+HK$5,959/mo
Deposit HK$13.47M · loan HK$20.21M · min. income ≈ HK$195,898/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,537
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,287
−HK$2,790/mo
Today · 4.125%
HK$108,077
baseline
▲ 0.50% · 4.625%
HK$113,773
+HK$5,696/mo
Deposit HK$13.47M · loan HK$20.21M · min. income ≈ HK$216,154/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,530
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,875
−HK$3,398/mo
Today · 4.125%
HK$114,273
baseline
▲ 0.50% · 4.625%
HK$121,227
+HK$6,954/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$228,546/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,626
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,835
−HK$3,254/mo
Today · 4.125%
HK$126,089
baseline
▲ 0.50% · 4.625%
HK$132,736
+HK$6,647/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$252,178/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,253
−HK$8,670/mo
▼ 0.25% · 3.875%
HK$142,554
−HK$4,369/mo
Today · 4.125%
HK$146,923
baseline
▲ 0.50% · 4.625%
HK$155,863
+HK$8,940/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$293,846/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,805
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$157,930
−HK$4,185/mo
Today · 4.125%
HK$162,115
baseline
▲ 0.50% · 4.625%
HK$170,660
+HK$8,545/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$324,230/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,554 · Scale 2, in force from 26 Feb 2026)