LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,654
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,038
−HK$2,423/mo
Today · 4.125%
HK$81,461
baseline
▲ 0.50% · 4.625%
HK$86,417
+HK$4,956/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,922/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,277
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,564
−HK$2,320/mo
Today · 4.125%
HK$89,884
baseline
▲ 0.50% · 4.625%
HK$94,622
+HK$4,738/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,768/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,985
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,846
−HK$2,907/mo
Today · 4.125%
HK$97,753
baseline
▲ 0.50% · 4.625%
HK$103,701
+HK$5,948/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,506/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,332
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,077
−HK$2,784/mo
Today · 4.125%
HK$107,861
baseline
▲ 0.50% · 4.625%
HK$113,546
+HK$5,685/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,722/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,315
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,654
−HK$3,391/mo
Today · 4.125%
HK$114,045
baseline
▲ 0.50% · 4.625%
HK$120,984
+HK$6,939/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$228,090/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,387
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,589
−HK$3,249/mo
Today · 4.125%
HK$125,838
baseline
▲ 0.50% · 4.625%
HK$132,471
+HK$6,633/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$251,676/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,977
−HK$8,652/mo
▼ 0.25% · 3.875%
HK$142,269
−HK$4,360/mo
Today · 4.125%
HK$146,629
baseline
▲ 0.50% · 4.625%
HK$155,551
+HK$8,922/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$293,258/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,498
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$157,615
−HK$4,176/mo
Today · 4.125%
HK$161,791
baseline
▲ 0.50% · 4.625%
HK$170,319
+HK$8,528/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$323,582/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,696 · Scale 2, in force from 26 Feb 2026)