LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,915
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,308
−HK$2,431/mo
Today · 4.125%
HK$81,739
baseline
▲ 0.50% · 4.625%
HK$86,712
+HK$4,973/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,478/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,568
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,862
−HK$2,329/mo
Today · 4.125%
HK$90,191
baseline
▲ 0.50% · 4.625%
HK$94,945
+HK$4,754/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,382/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,298
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,169
−HK$2,917/mo
Today · 4.125%
HK$98,086
baseline
▲ 0.50% · 4.625%
HK$104,055
+HK$5,969/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,172/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,681
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,435
−HK$2,794/mo
Today · 4.125%
HK$108,229
baseline
▲ 0.50% · 4.625%
HK$113,933
+HK$5,704/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,458/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,681
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,031
−HK$3,403/mo
Today · 4.125%
HK$114,434
baseline
▲ 0.50% · 4.625%
HK$121,397
+HK$6,963/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,868/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,795
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,007
−HK$3,260/mo
Today · 4.125%
HK$126,267
baseline
▲ 0.50% · 4.625%
HK$132,922
+HK$6,655/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,534/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,448
−HK$8,682/mo
▼ 0.25% · 3.875%
HK$142,754
−HK$4,376/mo
Today · 4.125%
HK$147,130
baseline
▲ 0.50% · 4.625%
HK$156,082
+HK$8,952/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,260/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,022
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$158,152
−HK$4,191/mo
Today · 4.125%
HK$162,343
baseline
▲ 0.50% · 4.625%
HK$170,900
+HK$8,557/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,686/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,568 · Scale 2, in force from 26 Feb 2026)