LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,909
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,301
−HK$2,431/mo
Today · 4.125%
HK$81,732
baseline
▲ 0.50% · 4.625%
HK$86,705
+HK$4,973/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,464/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,560
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,855
−HK$2,328/mo
Today · 4.125%
HK$90,183
baseline
▲ 0.50% · 4.625%
HK$94,937
+HK$4,754/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,366/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,291
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,161
−HK$2,917/mo
Today · 4.125%
HK$98,078
baseline
▲ 0.50% · 4.625%
HK$104,046
+HK$5,968/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,156/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,672
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,426
−HK$2,794/mo
Today · 4.125%
HK$108,220
baseline
▲ 0.50% · 4.625%
HK$113,924
+HK$5,704/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,440/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,672
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,022
−HK$3,402/mo
Today · 4.125%
HK$114,424
baseline
▲ 0.50% · 4.625%
HK$121,387
+HK$6,963/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,848/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,785
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,997
−HK$3,259/mo
Today · 4.125%
HK$126,256
baseline
▲ 0.50% · 4.625%
HK$132,911
+HK$6,655/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,512/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,436
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,742
−HK$4,375/mo
Today · 4.125%
HK$147,117
baseline
▲ 0.50% · 4.625%
HK$156,069
+HK$8,952/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,234/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,009
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$158,139
−HK$4,190/mo
Today · 4.125%
HK$162,329
baseline
▲ 0.50% · 4.625%
HK$170,886
+HK$8,557/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,658/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,448 · Scale 2, in force from 26 Feb 2026)