LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,921
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,313
−HK$2,431/mo
Today · 4.125%
HK$81,744
baseline
▲ 0.50% · 4.625%
HK$86,718
+HK$4,974/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,488/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,573
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,868
−HK$2,329/mo
Today · 4.125%
HK$90,197
baseline
▲ 0.50% · 4.625%
HK$94,951
+HK$4,754/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,394/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,305
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,176
−HK$2,917/mo
Today · 4.125%
HK$98,093
baseline
▲ 0.50% · 4.625%
HK$104,062
+HK$5,969/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,186/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,688
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,442
−HK$2,794/mo
Today · 4.125%
HK$108,236
baseline
▲ 0.50% · 4.625%
HK$113,941
+HK$5,705/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,472/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,689
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,038
−HK$3,404/mo
Today · 4.125%
HK$114,442
baseline
▲ 0.50% · 4.625%
HK$121,405
+HK$6,963/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,884/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,803
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,016
−HK$3,259/mo
Today · 4.125%
HK$126,275
baseline
▲ 0.50% · 4.625%
HK$132,931
+HK$6,656/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,550/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,457
−HK$8,682/mo
▼ 0.25% · 3.875%
HK$142,764
−HK$4,375/mo
Today · 4.125%
HK$147,139
baseline
▲ 0.50% · 4.625%
HK$156,093
+HK$8,954/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,278/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,032
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$158,163
−HK$4,191/mo
Today · 4.125%
HK$162,354
baseline
▲ 0.50% · 4.625%
HK$170,912
+HK$8,558/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,708/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,665 · Scale 2, in force from 26 Feb 2026)