LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,922
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,314
−HK$2,431/mo
Today · 4.125%
HK$81,745
baseline
▲ 0.50% · 4.625%
HK$86,719
+HK$4,974/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,490/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,575
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,870
−HK$2,328/mo
Today · 4.125%
HK$90,198
baseline
▲ 0.50% · 4.625%
HK$94,952
+HK$4,754/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,396/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,306
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,177
−HK$2,917/mo
Today · 4.125%
HK$98,094
baseline
▲ 0.50% · 4.625%
HK$104,063
+HK$5,969/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,188/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,689
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,444
−HK$2,793/mo
Today · 4.125%
HK$108,237
baseline
▲ 0.50% · 4.625%
HK$113,943
+HK$5,706/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,474/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,690
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,040
−HK$3,403/mo
Today · 4.125%
HK$114,443
baseline
▲ 0.50% · 4.625%
HK$121,407
+HK$6,964/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,886/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,804
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,017
−HK$3,260/mo
Today · 4.125%
HK$126,277
baseline
▲ 0.50% · 4.625%
HK$132,933
+HK$6,656/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,554/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,459
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,766
−HK$4,376/mo
Today · 4.125%
HK$147,142
baseline
▲ 0.50% · 4.625%
HK$156,095
+HK$8,953/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,284/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,034
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$158,165
−HK$4,191/mo
Today · 4.125%
HK$162,356
baseline
▲ 0.50% · 4.625%
HK$170,914
+HK$8,558/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,712/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,686 · Scale 2, in force from 26 Feb 2026)