LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,563
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,945
−HK$2,420/mo
Today · 4.125%
HK$81,365
baseline
▲ 0.50% · 4.625%
HK$86,315
+HK$4,950/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,730/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,176
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,460
−HK$2,318/mo
Today · 4.125%
HK$89,778
baseline
▲ 0.50% · 4.625%
HK$94,510
+HK$4,732/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,556/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,876
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,734
−HK$2,904/mo
Today · 4.125%
HK$97,638
baseline
▲ 0.50% · 4.625%
HK$103,579
+HK$5,941/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$195,276/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,211
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,953
−HK$2,780/mo
Today · 4.125%
HK$107,733
baseline
▲ 0.50% · 4.625%
HK$113,412
+HK$5,679/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$215,466/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,189
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,523
−HK$3,388/mo
Today · 4.125%
HK$113,911
baseline
▲ 0.50% · 4.625%
HK$120,842
+HK$6,931/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$227,822/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,246
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,445
−HK$3,244/mo
Today · 4.125%
HK$125,689
baseline
▲ 0.50% · 4.625%
HK$132,314
+HK$6,625/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$251,378/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,814
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$142,101
−HK$4,355/mo
Today · 4.125%
HK$146,456
baseline
▲ 0.50% · 4.625%
HK$155,368
+HK$8,912/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$292,912/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,427,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,317
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$157,429
−HK$4,171/mo
Today · 4.125%
HK$161,600
baseline
▲ 0.50% · 4.625%
HK$170,118
+HK$8,518/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$323,200/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,427,009 · Scale 2, in force from 26 Feb 2026)