LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,562
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,944
−HK$2,420/mo
Today · 4.125%
HK$81,364
baseline
▲ 0.50% · 4.625%
HK$86,314
+HK$4,950/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,728/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,426,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,175
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,459
−HK$2,318/mo
Today · 4.125%
HK$89,777
baseline
▲ 0.50% · 4.625%
HK$94,509
+HK$4,732/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,554/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,426,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,875
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,733
−HK$2,903/mo
Today · 4.125%
HK$97,636
baseline
▲ 0.50% · 4.625%
HK$103,577
+HK$5,941/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$195,272/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,210
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,951
−HK$2,781/mo
Today · 4.125%
HK$107,732
baseline
▲ 0.50% · 4.625%
HK$113,411
+HK$5,679/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$215,464/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,187
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,522
−HK$3,387/mo
Today · 4.125%
HK$113,909
baseline
▲ 0.50% · 4.625%
HK$120,840
+HK$6,931/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$227,818/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,245
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,443
−HK$3,244/mo
Today · 4.125%
HK$125,687
baseline
▲ 0.50% · 4.625%
HK$132,312
+HK$6,625/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$251,374/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,812
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$142,099
−HK$4,355/mo
Today · 4.125%
HK$146,454
baseline
▲ 0.50% · 4.625%
HK$155,366
+HK$8,912/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$292,908/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,315
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$157,427
−HK$4,171/mo
Today · 4.125%
HK$161,598
baseline
▲ 0.50% · 4.625%
HK$170,116
+HK$8,518/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$323,196/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,990 · Scale 2, in force from 26 Feb 2026)