LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,551
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,932
−HK$2,419/mo
Today · 4.125%
HK$81,351
baseline
▲ 0.50% · 4.625%
HK$86,301
+HK$4,950/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,702/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,162
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,446
−HK$2,317/mo
Today · 4.125%
HK$89,763
baseline
▲ 0.50% · 4.625%
HK$94,494
+HK$4,731/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,526/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,861
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,718
−HK$2,903/mo
Today · 4.125%
HK$97,621
baseline
▲ 0.50% · 4.625%
HK$103,561
+HK$5,940/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$195,242/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,194
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,935
−HK$2,780/mo
Today · 4.125%
HK$107,715
baseline
▲ 0.50% · 4.625%
HK$113,393
+HK$5,678/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$215,430/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,171
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$110,505
−HK$3,387/mo
Today · 4.125%
HK$113,892
baseline
▲ 0.50% · 4.625%
HK$120,822
+HK$6,930/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$227,784/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,227
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,424
−HK$3,244/mo
Today · 4.125%
HK$125,668
baseline
▲ 0.50% · 4.625%
HK$132,292
+HK$6,624/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$251,336/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,791
−HK$8,641/mo
▼ 0.25% · 3.875%
HK$142,077
−HK$4,355/mo
Today · 4.125%
HK$146,432
baseline
▲ 0.50% · 4.625%
HK$155,342
+HK$8,910/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$292,864/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,291
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$157,403
−HK$4,170/mo
Today · 4.125%
HK$161,573
baseline
▲ 0.50% · 4.625%
HK$170,090
+HK$8,517/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$323,146/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,771 · Scale 2, in force from 26 Feb 2026)