LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,457
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,835
−HK$2,417/mo
Today · 4.125%
HK$81,252
baseline
▲ 0.50% · 4.625%
HK$86,196
+HK$4,944/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,504/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,058
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,339
−HK$2,314/mo
Today · 4.125%
HK$89,653
baseline
▲ 0.50% · 4.625%
HK$94,379
+HK$4,726/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,306/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,749
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,603
−HK$2,899/mo
Today · 4.125%
HK$97,502
baseline
▲ 0.50% · 4.625%
HK$103,435
+HK$5,933/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$195,004/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,069
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,807
−HK$2,777/mo
Today · 4.125%
HK$107,584
baseline
▲ 0.50% · 4.625%
HK$113,255
+HK$5,671/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$215,168/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,040
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,370
−HK$3,382/mo
Today · 4.125%
HK$113,752
baseline
▲ 0.50% · 4.625%
HK$120,674
+HK$6,922/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,504/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,425,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,081
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,275
−HK$3,240/mo
Today · 4.125%
HK$125,515
baseline
▲ 0.50% · 4.625%
HK$132,131
+HK$6,616/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$251,030/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,425,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,623
−HK$8,630/mo
▼ 0.25% · 3.875%
HK$141,904
−HK$4,349/mo
Today · 4.125%
HK$146,253
baseline
▲ 0.50% · 4.625%
HK$155,152
+HK$8,899/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$292,506/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,104
−HK$8,272/mo
▼ 0.25% · 3.875%
HK$157,210
−HK$4,166/mo
Today · 4.125%
HK$161,376
baseline
▲ 0.50% · 4.625%
HK$169,882
+HK$8,506/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$322,752/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,030 · Scale 2, in force from 26 Feb 2026)