LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,591
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,974
−HK$2,420/mo
Today · 4.125%
HK$81,394
baseline
▲ 0.50% · 4.625%
HK$86,347
+HK$4,953/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,788/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,207
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,492
−HK$2,319/mo
Today · 4.125%
HK$89,811
baseline
▲ 0.50% · 4.625%
HK$94,545
+HK$4,734/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,622/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,910
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,769
−HK$2,904/mo
Today · 4.125%
HK$97,673
baseline
▲ 0.50% · 4.625%
HK$103,616
+HK$5,943/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$195,346/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,249
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,991
−HK$2,782/mo
Today · 4.125%
HK$107,773
baseline
▲ 0.50% · 4.625%
HK$113,454
+HK$5,681/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$215,546/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,228
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,563
−HK$3,389/mo
Today · 4.125%
HK$113,952
baseline
▲ 0.50% · 4.625%
HK$120,886
+HK$6,934/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$227,904/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,290
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,489
−HK$3,246/mo
Today · 4.125%
HK$125,735
baseline
▲ 0.50% · 4.625%
HK$132,362
+HK$6,627/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$251,470/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,864
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,153
−HK$4,357/mo
Today · 4.125%
HK$146,510
baseline
▲ 0.50% · 4.625%
HK$155,425
+HK$8,915/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$293,020/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,373
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$157,486
−HK$4,173/mo
Today · 4.125%
HK$161,659
baseline
▲ 0.50% · 4.625%
HK$170,180
+HK$8,521/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,318/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,529 · Scale 2, in force from 26 Feb 2026)