LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,912
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,304
−HK$2,431/mo
Today · 4.125%
HK$81,735
baseline
▲ 0.50% · 4.625%
HK$86,708
+HK$4,973/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,470/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,564
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,859
−HK$2,328/mo
Today · 4.125%
HK$90,187
baseline
▲ 0.50% · 4.625%
HK$94,940
+HK$4,753/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,374/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,294
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,165
−HK$2,917/mo
Today · 4.125%
HK$98,082
baseline
▲ 0.50% · 4.625%
HK$104,050
+HK$5,968/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,164/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,677
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,430
−HK$2,794/mo
Today · 4.125%
HK$108,224
baseline
▲ 0.50% · 4.625%
HK$113,929
+HK$5,705/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,448/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,677
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,026
−HK$3,403/mo
Today · 4.125%
HK$114,429
baseline
▲ 0.50% · 4.625%
HK$121,392
+HK$6,963/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,858/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,789
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,002
−HK$3,259/mo
Today · 4.125%
HK$126,261
baseline
▲ 0.50% · 4.625%
HK$132,917
+HK$6,656/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,522/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,442
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,748
−HK$4,375/mo
Today · 4.125%
HK$147,123
baseline
▲ 0.50% · 4.625%
HK$156,075
+HK$8,952/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,246/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,015
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$158,146
−HK$4,190/mo
Today · 4.125%
HK$162,336
baseline
▲ 0.50% · 4.625%
HK$170,893
+HK$8,557/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,672/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,506 · Scale 2, in force from 26 Feb 2026)