LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,859
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,250
−HK$2,429/mo
Today · 4.125%
HK$81,679
baseline
▲ 0.50% · 4.625%
HK$86,649
+HK$4,970/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,358/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,505
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,798
−HK$2,326/mo
Today · 4.125%
HK$90,124
baseline
▲ 0.50% · 4.625%
HK$94,875
+HK$4,751/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,248/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,231
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,100
−HK$2,914/mo
Today · 4.125%
HK$98,014
baseline
▲ 0.50% · 4.625%
HK$103,978
+HK$5,964/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$196,028/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,606
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,358
−HK$2,791/mo
Today · 4.125%
HK$108,149
baseline
▲ 0.50% · 4.625%
HK$113,850
+HK$5,701/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,298/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,603
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,950
−HK$3,400/mo
Today · 4.125%
HK$114,350
baseline
▲ 0.50% · 4.625%
HK$121,308
+HK$6,958/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,700/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,707
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,917
−HK$3,257/mo
Today · 4.125%
HK$126,174
baseline
▲ 0.50% · 4.625%
HK$132,825
+HK$6,651/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,348/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,346
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$142,650
−HK$4,372/mo
Today · 4.125%
HK$147,022
baseline
▲ 0.50% · 4.625%
HK$155,968
+HK$8,946/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$294,044/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,909
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$158,037
−HK$4,187/mo
Today · 4.125%
HK$162,224
baseline
▲ 0.50% · 4.625%
HK$170,775
+HK$8,551/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$324,448/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,518 · Scale 2, in force from 26 Feb 2026)