LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,924
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,317
−HK$2,431/mo
Today · 4.125%
HK$81,748
baseline
▲ 0.50% · 4.625%
HK$86,722
+HK$4,974/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,496/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,578
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,873
−HK$2,328/mo
Today · 4.125%
HK$90,201
baseline
▲ 0.50% · 4.625%
HK$94,956
+HK$4,755/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,402/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,309
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,181
−HK$2,917/mo
Today · 4.125%
HK$98,098
baseline
▲ 0.50% · 4.625%
HK$104,067
+HK$5,969/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,196/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,693
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,447
−HK$2,794/mo
Today · 4.125%
HK$108,241
baseline
▲ 0.50% · 4.625%
HK$113,947
+HK$5,706/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,482/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,694
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,044
−HK$3,403/mo
Today · 4.125%
HK$114,447
baseline
▲ 0.50% · 4.625%
HK$121,411
+HK$6,964/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,894/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,809
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,022
−HK$3,259/mo
Today · 4.125%
HK$126,281
baseline
▲ 0.50% · 4.625%
HK$132,938
+HK$6,657/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,562/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,464
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,771
−HK$4,376/mo
Today · 4.125%
HK$147,147
baseline
▲ 0.50% · 4.625%
HK$156,100
+HK$8,953/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,294/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,040
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$158,171
−HK$4,191/mo
Today · 4.125%
HK$162,362
baseline
▲ 0.50% · 4.625%
HK$170,920
+HK$8,558/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,724/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,736 · Scale 2, in force from 26 Feb 2026)