LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,852
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,242
−HK$2,429/mo
Today · 4.125%
HK$81,671
baseline
▲ 0.50% · 4.625%
HK$86,641
+HK$4,970/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,342/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,497
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,790
−HK$2,326/mo
Today · 4.125%
HK$90,116
baseline
▲ 0.50% · 4.625%
HK$94,866
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,232/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,222
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,091
−HK$2,914/mo
Today · 4.125%
HK$98,005
baseline
▲ 0.50% · 4.625%
HK$103,969
+HK$5,964/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$196,010/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,596
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,348
−HK$2,791/mo
Today · 4.125%
HK$108,139
baseline
▲ 0.50% · 4.625%
HK$113,840
+HK$5,701/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,278/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,593
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,939
−HK$3,401/mo
Today · 4.125%
HK$114,340
baseline
▲ 0.50% · 4.625%
HK$121,297
+HK$6,957/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,680/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,696
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,906
−HK$3,257/mo
Today · 4.125%
HK$126,163
baseline
▲ 0.50% · 4.625%
HK$132,813
+HK$6,650/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,326/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,333
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$142,636
−HK$4,372/mo
Today · 4.125%
HK$147,008
baseline
▲ 0.50% · 4.625%
HK$155,953
+HK$8,945/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$294,016/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,895
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$158,022
−HK$4,187/mo
Today · 4.125%
HK$162,209
baseline
▲ 0.50% · 4.625%
HK$170,759
+HK$8,550/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$324,418/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,386 · Scale 2, in force from 26 Feb 2026)