LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,473
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,852
−HK$2,416/mo
Today · 4.125%
HK$81,268
baseline
▲ 0.50% · 4.625%
HK$86,213
+HK$4,945/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,536/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,075
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,357
−HK$2,315/mo
Today · 4.125%
HK$89,672
baseline
▲ 0.50% · 4.625%
HK$94,398
+HK$4,726/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,344/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,767
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,622
−HK$2,900/mo
Today · 4.125%
HK$97,522
baseline
▲ 0.50% · 4.625%
HK$103,456
+HK$5,934/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$195,044/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,090
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,828
−HK$2,778/mo
Today · 4.125%
HK$107,606
baseline
▲ 0.50% · 4.625%
HK$113,278
+HK$5,672/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$215,212/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,062
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,392
−HK$3,384/mo
Today · 4.125%
HK$113,776
baseline
▲ 0.50% · 4.625%
HK$120,699
+HK$6,923/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,552/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,105
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,300
−HK$3,240/mo
Today · 4.125%
HK$125,540
baseline
▲ 0.50% · 4.625%
HK$132,158
+HK$6,618/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,080/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,651
−HK$8,632/mo
▼ 0.25% · 3.875%
HK$141,933
−HK$4,350/mo
Today · 4.125%
HK$146,283
baseline
▲ 0.50% · 4.625%
HK$155,184
+HK$8,901/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$292,566/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,136
−HK$8,273/mo
▼ 0.25% · 3.875%
HK$157,243
−HK$4,166/mo
Today · 4.125%
HK$161,409
baseline
▲ 0.50% · 4.625%
HK$169,917
+HK$8,508/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$322,818/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,322 · Scale 2, in force from 26 Feb 2026)