LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,656
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,041
−HK$2,422/mo
Today · 4.125%
HK$81,463
baseline
▲ 0.50% · 4.625%
HK$86,420
+HK$4,957/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,926/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,279
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,566
−HK$2,321/mo
Today · 4.125%
HK$89,887
baseline
▲ 0.50% · 4.625%
HK$94,625
+HK$4,738/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,774/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,987
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,849
−HK$2,907/mo
Today · 4.125%
HK$97,756
baseline
▲ 0.50% · 4.625%
HK$103,704
+HK$5,948/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,512/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,335
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,080
−HK$2,784/mo
Today · 4.125%
HK$107,864
baseline
▲ 0.50% · 4.625%
HK$113,550
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,728/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,319
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,657
−HK$3,391/mo
Today · 4.125%
HK$114,048
baseline
▲ 0.50% · 4.625%
HK$120,988
+HK$6,940/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$228,096/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,391
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,593
−HK$3,248/mo
Today · 4.125%
HK$125,841
baseline
▲ 0.50% · 4.625%
HK$132,474
+HK$6,633/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$251,682/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,981
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,273
−HK$4,361/mo
Today · 4.125%
HK$146,634
baseline
▲ 0.50% · 4.625%
HK$155,556
+HK$8,922/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,268/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,503
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$157,619
−HK$4,177/mo
Today · 4.125%
HK$161,796
baseline
▲ 0.50% · 4.625%
HK$170,324
+HK$8,528/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,592/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,737 · Scale 2, in force from 26 Feb 2026)