LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,930
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,323
−HK$2,432/mo
Today · 4.125%
HK$81,755
baseline
▲ 0.50% · 4.625%
HK$86,729
+HK$4,974/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,510/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,584
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,880
−HK$2,328/mo
Today · 4.125%
HK$90,208
baseline
▲ 0.50% · 4.625%
HK$94,963
+HK$4,755/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,416/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,316
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,188
−HK$2,918/mo
Today · 4.125%
HK$98,106
baseline
▲ 0.50% · 4.625%
HK$104,075
+HK$5,969/mo
Deposit HK$13.50M · loan HK$20.24M · min. income ≈ HK$196,212/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,701
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,456
−HK$2,794/mo
Today · 4.125%
HK$108,250
baseline
▲ 0.50% · 4.625%
HK$113,956
+HK$5,706/mo
Deposit HK$13.50M · loan HK$20.24M · min. income ≈ HK$216,500/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,703
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,053
−HK$3,403/mo
Today · 4.125%
HK$114,456
baseline
▲ 0.50% · 4.625%
HK$121,421
+HK$6,965/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,912/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,433,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,818
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,031
−HK$3,260/mo
Today · 4.125%
HK$126,291
baseline
▲ 0.50% · 4.625%
HK$132,948
+HK$6,657/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,582/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,433,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,475
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,782
−HK$4,376/mo
Today · 4.125%
HK$147,158
baseline
▲ 0.50% · 4.625%
HK$156,113
+HK$8,955/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,316/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,052
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,183
−HK$4,192/mo
Today · 4.125%
HK$162,375
baseline
▲ 0.50% · 4.625%
HK$170,934
+HK$8,559/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,750/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,849 · Scale 2, in force from 26 Feb 2026)