LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,890
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,282
−HK$2,430/mo
Today · 4.125%
HK$81,712
baseline
▲ 0.50% · 4.625%
HK$86,684
+HK$4,972/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,424/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,433,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,540
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,834
−HK$2,327/mo
Today · 4.125%
HK$90,161
baseline
▲ 0.50% · 4.625%
HK$94,914
+HK$4,753/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,322/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,433,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,268
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,138
−HK$2,916/mo
Today · 4.125%
HK$98,054
baseline
▲ 0.50% · 4.625%
HK$104,021
+HK$5,967/mo
Deposit HK$13.49M · loan HK$20.23M · min. income ≈ HK$196,108/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,648
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,401
−HK$2,792/mo
Today · 4.125%
HK$108,193
baseline
▲ 0.50% · 4.625%
HK$113,896
+HK$5,703/mo
Deposit HK$13.49M · loan HK$20.23M · min. income ≈ HK$216,386/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,646
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$110,995
−HK$3,402/mo
Today · 4.125%
HK$114,397
baseline
▲ 0.50% · 4.625%
HK$121,358
+HK$6,961/mo
Deposit HK$10.12M · loan HK$23.60M · min. income ≈ HK$228,794/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,756
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,967
−HK$3,259/mo
Today · 4.125%
HK$126,226
baseline
▲ 0.50% · 4.625%
HK$132,879
+HK$6,653/mo
Deposit HK$10.12M · loan HK$23.60M · min. income ≈ HK$252,452/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,403
−HK$8,679/mo
▼ 0.25% · 3.875%
HK$142,708
−HK$4,374/mo
Today · 4.125%
HK$147,082
baseline
▲ 0.50% · 4.625%
HK$156,031
+HK$8,949/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$294,164/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,971
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$158,101
−HK$4,189/mo
Today · 4.125%
HK$162,290
baseline
▲ 0.50% · 4.625%
HK$170,845
+HK$8,555/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$324,580/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,101 · Scale 2, in force from 26 Feb 2026)