LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,550
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,931
−HK$2,419/mo
Today · 4.125%
HK$81,350
baseline
▲ 0.50% · 4.625%
HK$86,300
+HK$4,950/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,700/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,161
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,445
−HK$2,317/mo
Today · 4.125%
HK$89,762
baseline
▲ 0.50% · 4.625%
HK$94,493
+HK$4,731/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,524/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,860
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,717
−HK$2,903/mo
Today · 4.125%
HK$97,620
baseline
▲ 0.50% · 4.625%
HK$103,560
+HK$5,940/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$195,240/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,193
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,934
−HK$2,780/mo
Today · 4.125%
HK$107,714
baseline
▲ 0.50% · 4.625%
HK$113,392
+HK$5,678/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$215,428/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,170
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,503
−HK$3,387/mo
Today · 4.125%
HK$113,890
baseline
▲ 0.50% · 4.625%
HK$120,820
+HK$6,930/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$227,780/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,225
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,423
−HK$3,243/mo
Today · 4.125%
HK$125,666
baseline
▲ 0.50% · 4.625%
HK$132,290
+HK$6,624/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$251,332/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,789
−HK$8,641/mo
▼ 0.25% · 3.875%
HK$142,075
−HK$4,355/mo
Today · 4.125%
HK$146,430
baseline
▲ 0.50% · 4.625%
HK$155,340
+HK$8,910/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$292,860/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,289
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$157,401
−HK$4,170/mo
Today · 4.125%
HK$161,571
baseline
▲ 0.50% · 4.625%
HK$170,088
+HK$8,517/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$323,142/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,753 · Scale 2, in force from 26 Feb 2026)