LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,892
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,284
−HK$2,430/mo
Today · 4.125%
HK$81,714
baseline
▲ 0.50% · 4.625%
HK$86,686
+HK$4,972/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,428/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,433,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,542
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,836
−HK$2,328/mo
Today · 4.125%
HK$90,164
baseline
▲ 0.50% · 4.625%
HK$94,916
+HK$4,752/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,328/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,433,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,271
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,141
−HK$2,916/mo
Today · 4.125%
HK$98,057
baseline
▲ 0.50% · 4.625%
HK$104,024
+HK$5,967/mo
Deposit HK$13.49M · loan HK$20.23M · min. income ≈ HK$196,114/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,651
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,404
−HK$2,792/mo
Today · 4.125%
HK$108,196
baseline
▲ 0.50% · 4.625%
HK$113,900
+HK$5,704/mo
Deposit HK$13.49M · loan HK$20.23M · min. income ≈ HK$216,392/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,649
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$110,998
−HK$3,402/mo
Today · 4.125%
HK$114,400
baseline
▲ 0.50% · 4.625%
HK$121,361
+HK$6,961/mo
Deposit HK$10.12M · loan HK$23.60M · min. income ≈ HK$228,800/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,759
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,971
−HK$3,258/mo
Today · 4.125%
HK$126,229
baseline
▲ 0.50% · 4.625%
HK$132,883
+HK$6,654/mo
Deposit HK$10.12M · loan HK$23.60M · min. income ≈ HK$252,458/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,406
−HK$8,680/mo
▼ 0.25% · 3.875%
HK$142,712
−HK$4,374/mo
Today · 4.125%
HK$147,086
baseline
▲ 0.50% · 4.625%
HK$156,036
+HK$8,950/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$294,172/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,976
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$158,105
−HK$4,190/mo
Today · 4.125%
HK$162,295
baseline
▲ 0.50% · 4.625%
HK$170,849
+HK$8,554/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$324,590/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,142 · Scale 2, in force from 26 Feb 2026)