LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,906
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,298
−HK$2,431/mo
Today · 4.125%
HK$81,729
baseline
▲ 0.50% · 4.625%
HK$86,702
+HK$4,973/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,458/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,557
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,852
−HK$2,328/mo
Today · 4.125%
HK$90,180
baseline
▲ 0.50% · 4.625%
HK$94,933
+HK$4,753/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,360/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,287
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,158
−HK$2,916/mo
Today · 4.125%
HK$98,074
baseline
▲ 0.50% · 4.625%
HK$104,042
+HK$5,968/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,148/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,669
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,422
−HK$2,793/mo
Today · 4.125%
HK$108,215
baseline
▲ 0.50% · 4.625%
HK$113,920
+HK$5,705/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,430/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,668
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,018
−HK$3,402/mo
Today · 4.125%
HK$114,420
baseline
▲ 0.50% · 4.625%
HK$121,382
+HK$6,962/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,840/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,780
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,992
−HK$3,259/mo
Today · 4.125%
HK$126,251
baseline
▲ 0.50% · 4.625%
HK$132,906
+HK$6,655/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,502/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,431
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,737
−HK$4,375/mo
Today · 4.125%
HK$147,112
baseline
▲ 0.50% · 4.625%
HK$156,063
+HK$8,951/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$294,224/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,003
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$158,133
−HK$4,190/mo
Today · 4.125%
HK$162,323
baseline
▲ 0.50% · 4.625%
HK$170,879
+HK$8,556/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$324,646/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,394 · Scale 2, in force from 26 Feb 2026)