LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,846
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,236
−HK$2,429/mo
Today · 4.125%
HK$81,665
baseline
▲ 0.50% · 4.625%
HK$86,634
+HK$4,969/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,330/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,490
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,783
−HK$2,326/mo
Today · 4.125%
HK$90,109
baseline
▲ 0.50% · 4.625%
HK$94,859
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,218/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,215
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,083
−HK$2,915/mo
Today · 4.125%
HK$97,998
baseline
▲ 0.50% · 4.625%
HK$103,961
+HK$5,963/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$195,996/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,588
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,340
−HK$2,791/mo
Today · 4.125%
HK$108,131
baseline
▲ 0.50% · 4.625%
HK$113,830
+HK$5,699/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,262/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,584
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,931
−HK$3,400/mo
Today · 4.125%
HK$114,331
baseline
▲ 0.50% · 4.625%
HK$121,287
+HK$6,956/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,662/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,686
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,896
−HK$3,256/mo
Today · 4.125%
HK$126,152
baseline
▲ 0.50% · 4.625%
HK$132,802
+HK$6,650/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,304/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,322
−HK$8,674/mo
▼ 0.25% · 3.875%
HK$142,625
−HK$4,371/mo
Today · 4.125%
HK$146,996
baseline
▲ 0.50% · 4.625%
HK$155,941
+HK$8,945/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$293,992/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,882
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$158,009
−HK$4,187/mo
Today · 4.125%
HK$162,196
baseline
▲ 0.50% · 4.625%
HK$170,746
+HK$8,550/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$324,392/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,271 · Scale 2, in force from 26 Feb 2026)