LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,557
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,939
−HK$2,419/mo
Today · 4.125%
HK$81,358
baseline
▲ 0.50% · 4.625%
HK$86,309
+HK$4,951/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,716/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,169
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,454
−HK$2,317/mo
Today · 4.125%
HK$89,771
baseline
▲ 0.50% · 4.625%
HK$94,503
+HK$4,732/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,542/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,869
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,726
−HK$2,904/mo
Today · 4.125%
HK$97,630
baseline
▲ 0.50% · 4.625%
HK$103,570
+HK$5,940/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$195,260/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,203
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,944
−HK$2,781/mo
Today · 4.125%
HK$107,725
baseline
▲ 0.50% · 4.625%
HK$113,403
+HK$5,678/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$215,450/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,180
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$110,514
−HK$3,387/mo
Today · 4.125%
HK$113,901
baseline
▲ 0.50% · 4.625%
HK$120,832
+HK$6,931/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$227,802/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,237
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,435
−HK$3,244/mo
Today · 4.125%
HK$125,679
baseline
▲ 0.50% · 4.625%
HK$132,304
+HK$6,625/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$251,358/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,803
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$142,090
−HK$4,355/mo
Today · 4.125%
HK$146,445
baseline
▲ 0.50% · 4.625%
HK$155,356
+HK$8,911/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$292,890/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,305
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$157,416
−HK$4,171/mo
Today · 4.125%
HK$161,587
baseline
▲ 0.50% · 4.625%
HK$170,105
+HK$8,518/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$323,174/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,896 · Scale 2, in force from 26 Feb 2026)