LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,900
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,292
−HK$2,430/mo
Today · 4.125%
HK$81,722
baseline
▲ 0.50% · 4.625%
HK$86,694
+HK$4,972/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,444/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,550
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,844
−HK$2,328/mo
Today · 4.125%
HK$90,172
baseline
▲ 0.50% · 4.625%
HK$94,925
+HK$4,753/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,344/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,279
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,150
−HK$2,916/mo
Today · 4.125%
HK$98,066
baseline
▲ 0.50% · 4.625%
HK$104,033
+HK$5,967/mo
Deposit HK$13.49M · loan HK$20.23M · min. income ≈ HK$196,132/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,660
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,413
−HK$2,793/mo
Today · 4.125%
HK$108,206
baseline
▲ 0.50% · 4.625%
HK$113,910
+HK$5,704/mo
Deposit HK$13.49M · loan HK$20.23M · min. income ≈ HK$216,412/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,659
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,008
−HK$3,403/mo
Today · 4.125%
HK$114,411
baseline
▲ 0.50% · 4.625%
HK$121,372
+HK$6,961/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,822/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,770
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,982
−HK$3,259/mo
Today · 4.125%
HK$126,241
baseline
▲ 0.50% · 4.625%
HK$132,895
+HK$6,654/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,482/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,419
−HK$8,680/mo
▼ 0.25% · 3.875%
HK$142,725
−HK$4,374/mo
Today · 4.125%
HK$147,099
baseline
▲ 0.50% · 4.625%
HK$156,050
+HK$8,951/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$294,198/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,990
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$158,120
−HK$4,189/mo
Today · 4.125%
HK$162,309
baseline
▲ 0.50% · 4.625%
HK$170,865
+HK$8,556/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$324,618/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,273 · Scale 2, in force from 26 Feb 2026)