LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,477
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,856
−HK$2,417/mo
Today · 4.125%
HK$81,273
baseline
▲ 0.50% · 4.625%
HK$86,218
+HK$4,945/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,546/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,080
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,362
−HK$2,314/mo
Today · 4.125%
HK$89,676
baseline
▲ 0.50% · 4.625%
HK$94,403
+HK$4,727/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,352/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,772
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,627
−HK$2,900/mo
Today · 4.125%
HK$97,527
baseline
▲ 0.50% · 4.625%
HK$103,461
+HK$5,934/mo
Deposit HK$13.42M · loan HK$20.12M · min. income ≈ HK$195,054/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,096
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,834
−HK$2,778/mo
Today · 4.125%
HK$107,612
baseline
▲ 0.50% · 4.625%
HK$113,284
+HK$5,672/mo
Deposit HK$13.42M · loan HK$20.12M · min. income ≈ HK$215,224/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,068
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,398
−HK$3,384/mo
Today · 4.125%
HK$113,782
baseline
▲ 0.50% · 4.625%
HK$120,705
+HK$6,923/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,564/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,112
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,306
−HK$3,241/mo
Today · 4.125%
HK$125,547
baseline
▲ 0.50% · 4.625%
HK$132,165
+HK$6,618/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,094/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,658
−HK$8,633/mo
▼ 0.25% · 3.875%
HK$141,940
−HK$4,351/mo
Today · 4.125%
HK$146,291
baseline
▲ 0.50% · 4.625%
HK$155,192
+HK$8,901/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$292,582/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,143
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$157,251
−HK$4,166/mo
Today · 4.125%
HK$161,417
baseline
▲ 0.50% · 4.625%
HK$169,926
+HK$8,509/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$322,834/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,395 · Scale 2, in force from 26 Feb 2026)