LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,471
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,849
−HK$2,417/mo
Today · 4.125%
HK$81,266
baseline
▲ 0.50% · 4.625%
HK$86,211
+HK$4,945/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,532/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,073
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,354
−HK$2,315/mo
Today · 4.125%
HK$89,669
baseline
▲ 0.50% · 4.625%
HK$94,396
+HK$4,727/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,338/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,765
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,619
−HK$2,900/mo
Today · 4.125%
HK$97,519
baseline
▲ 0.50% · 4.625%
HK$103,453
+HK$5,934/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$195,038/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,087
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,825
−HK$2,778/mo
Today · 4.125%
HK$107,603
baseline
▲ 0.50% · 4.625%
HK$113,275
+HK$5,672/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$215,206/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,059
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,389
−HK$3,383/mo
Today · 4.125%
HK$113,772
baseline
▲ 0.50% · 4.625%
HK$120,695
+HK$6,923/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,544/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,102
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,296
−HK$3,241/mo
Today · 4.125%
HK$125,537
baseline
▲ 0.50% · 4.625%
HK$132,154
+HK$6,617/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,074/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,647
−HK$8,632/mo
▼ 0.25% · 3.875%
HK$141,929
−HK$4,350/mo
Today · 4.125%
HK$146,279
baseline
▲ 0.50% · 4.625%
HK$155,180
+HK$8,901/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$292,558/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,131
−HK$8,273/mo
▼ 0.25% · 3.875%
HK$157,238
−HK$4,166/mo
Today · 4.125%
HK$161,404
baseline
▲ 0.50% · 4.625%
HK$169,912
+HK$8,508/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$322,808/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,281 · Scale 2, in force from 26 Feb 2026)