LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,535
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,916
−HK$2,419/mo
Today · 4.125%
HK$81,335
baseline
▲ 0.50% · 4.625%
HK$86,284
+HK$4,949/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,670/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,145
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,428
−HK$2,317/mo
Today · 4.125%
HK$89,745
baseline
▲ 0.50% · 4.625%
HK$94,475
+HK$4,730/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,490/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,842
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,699
−HK$2,903/mo
Today · 4.125%
HK$97,602
baseline
▲ 0.50% · 4.625%
HK$103,541
+HK$5,939/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$195,204/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,174
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,914
−HK$2,780/mo
Today · 4.125%
HK$107,694
baseline
▲ 0.50% · 4.625%
HK$113,371
+HK$5,677/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$215,388/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,149
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,482
−HK$3,387/mo
Today · 4.125%
HK$113,869
baseline
▲ 0.50% · 4.625%
HK$120,797
+HK$6,928/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$227,738/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,203
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,400
−HK$3,243/mo
Today · 4.125%
HK$125,643
baseline
▲ 0.50% · 4.625%
HK$132,266
+HK$6,623/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$251,286/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,764
−HK$8,639/mo
▼ 0.25% · 3.875%
HK$142,049
−HK$4,354/mo
Today · 4.125%
HK$146,403
baseline
▲ 0.50% · 4.625%
HK$155,311
+HK$8,908/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$292,806/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,261
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$157,371
−HK$4,170/mo
Today · 4.125%
HK$161,541
baseline
▲ 0.50% · 4.625%
HK$170,056
+HK$8,515/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$323,082/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,486 · Scale 2, in force from 26 Feb 2026)