LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,907
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,300
−HK$2,430/mo
Today · 4.125%
HK$81,730
baseline
▲ 0.50% · 4.625%
HK$86,703
+HK$4,973/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,460/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,559
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,853
−HK$2,328/mo
Today · 4.125%
HK$90,181
baseline
▲ 0.50% · 4.625%
HK$94,935
+HK$4,754/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,362/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,289
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,159
−HK$2,917/mo
Today · 4.125%
HK$98,076
baseline
▲ 0.50% · 4.625%
HK$104,044
+HK$5,968/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,152/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,670
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,424
−HK$2,793/mo
Today · 4.125%
HK$108,217
baseline
▲ 0.50% · 4.625%
HK$113,921
+HK$5,704/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,434/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,670
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,019
−HK$3,403/mo
Today · 4.125%
HK$114,422
baseline
▲ 0.50% · 4.625%
HK$121,384
+HK$6,962/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,844/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,782
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,994
−HK$3,259/mo
Today · 4.125%
HK$126,253
baseline
▲ 0.50% · 4.625%
HK$132,908
+HK$6,655/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,506/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,433
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,739
−HK$4,375/mo
Today · 4.125%
HK$147,114
baseline
▲ 0.50% · 4.625%
HK$156,066
+HK$8,952/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$294,228/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,005
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$158,136
−HK$4,190/mo
Today · 4.125%
HK$162,326
baseline
▲ 0.50% · 4.625%
HK$170,882
+HK$8,556/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$324,652/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,417 · Scale 2, in force from 26 Feb 2026)