LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,933
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,326
−HK$2,431/mo
Today · 4.125%
HK$81,757
baseline
▲ 0.50% · 4.625%
HK$86,732
+HK$4,975/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,514/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,587
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,883
−HK$2,328/mo
Today · 4.125%
HK$90,211
baseline
▲ 0.50% · 4.625%
HK$94,966
+HK$4,755/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,422/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,320
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,191
−HK$2,918/mo
Today · 4.125%
HK$98,109
baseline
▲ 0.50% · 4.625%
HK$104,079
+HK$5,970/mo
Deposit HK$13.50M · loan HK$20.24M · min. income ≈ HK$196,218/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,705
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,459
−HK$2,795/mo
Today · 4.125%
HK$108,254
baseline
▲ 0.50% · 4.625%
HK$113,960
+HK$5,706/mo
Deposit HK$13.50M · loan HK$20.24M · min. income ≈ HK$216,508/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,706
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,057
−HK$3,403/mo
Today · 4.125%
HK$114,460
baseline
▲ 0.50% · 4.625%
HK$121,425
+HK$6,965/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,920/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,433,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,822
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,036
−HK$3,260/mo
Today · 4.125%
HK$126,296
baseline
▲ 0.50% · 4.625%
HK$132,953
+HK$6,657/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,592/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,433,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,480
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,787
−HK$4,376/mo
Today · 4.125%
HK$147,163
baseline
▲ 0.50% · 4.625%
HK$156,118
+HK$8,955/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,326/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,057
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,189
−HK$4,191/mo
Today · 4.125%
HK$162,380
baseline
▲ 0.50% · 4.625%
HK$170,940
+HK$8,560/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,760/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,899 · Scale 2, in force from 26 Feb 2026)