LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,556
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,937
−HK$2,420/mo
Today · 4.125%
HK$81,357
baseline
▲ 0.50% · 4.625%
HK$86,307
+HK$4,950/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,714/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,168
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,452
−HK$2,317/mo
Today · 4.125%
HK$89,769
baseline
▲ 0.50% · 4.625%
HK$94,501
+HK$4,732/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,538/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,867
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,725
−HK$2,903/mo
Today · 4.125%
HK$97,628
baseline
▲ 0.50% · 4.625%
HK$103,569
+HK$5,941/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$195,256/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,201
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,942
−HK$2,781/mo
Today · 4.125%
HK$107,723
baseline
▲ 0.50% · 4.625%
HK$113,401
+HK$5,678/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$215,446/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,178
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,512
−HK$3,388/mo
Today · 4.125%
HK$113,900
baseline
▲ 0.50% · 4.625%
HK$120,830
+HK$6,930/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$227,800/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,235
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,433
−HK$3,244/mo
Today · 4.125%
HK$125,677
baseline
▲ 0.50% · 4.625%
HK$132,301
+HK$6,624/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$251,354/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,801
−HK$8,641/mo
▼ 0.25% · 3.875%
HK$142,087
−HK$4,355/mo
Today · 4.125%
HK$146,442
baseline
▲ 0.50% · 4.625%
HK$155,353
+HK$8,911/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$292,884/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,302
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$157,414
−HK$4,171/mo
Today · 4.125%
HK$161,585
baseline
▲ 0.50% · 4.625%
HK$170,102
+HK$8,517/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$323,170/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,872 · Scale 2, in force from 26 Feb 2026)