LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,930
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,323
−HK$2,431/mo
Today · 4.125%
HK$81,754
baseline
▲ 0.50% · 4.625%
HK$86,728
+HK$4,974/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,508/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,584
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,879
−HK$2,328/mo
Today · 4.125%
HK$90,207
baseline
▲ 0.50% · 4.625%
HK$94,962
+HK$4,755/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,414/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,316
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,187
−HK$2,918/mo
Today · 4.125%
HK$98,105
baseline
▲ 0.50% · 4.625%
HK$104,074
+HK$5,969/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,210/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,700
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,455
−HK$2,794/mo
Today · 4.125%
HK$108,249
baseline
▲ 0.50% · 4.625%
HK$113,955
+HK$5,706/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,498/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,702
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,052
−HK$3,403/mo
Today · 4.125%
HK$114,455
baseline
▲ 0.50% · 4.625%
HK$121,420
+HK$6,965/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,910/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,433,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,817
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,030
−HK$3,260/mo
Today · 4.125%
HK$126,290
baseline
▲ 0.50% · 4.625%
HK$132,947
+HK$6,657/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,580/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,433,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,473
−HK$8,684/mo
▼ 0.25% · 3.875%
HK$142,781
−HK$4,376/mo
Today · 4.125%
HK$147,157
baseline
▲ 0.50% · 4.625%
HK$156,111
+HK$8,954/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,314/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,050
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,182
−HK$4,191/mo
Today · 4.125%
HK$162,373
baseline
▲ 0.50% · 4.625%
HK$170,932
+HK$8,559/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,746/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,836 · Scale 2, in force from 26 Feb 2026)