LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,657
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,042
−HK$2,422/mo
Today · 4.125%
HK$81,464
baseline
▲ 0.50% · 4.625%
HK$86,421
+HK$4,957/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,928/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,280
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,568
−HK$2,320/mo
Today · 4.125%
HK$89,888
baseline
▲ 0.50% · 4.625%
HK$94,626
+HK$4,738/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,776/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,989
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,850
−HK$2,907/mo
Today · 4.125%
HK$97,757
baseline
▲ 0.50% · 4.625%
HK$103,705
+HK$5,948/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,514/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,336
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,081
−HK$2,784/mo
Today · 4.125%
HK$107,865
baseline
▲ 0.50% · 4.625%
HK$113,551
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,730/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,320
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,658
−HK$3,392/mo
Today · 4.125%
HK$114,050
baseline
▲ 0.50% · 4.625%
HK$120,990
+HK$6,940/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$228,100/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,393
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,595
−HK$3,248/mo
Today · 4.125%
HK$125,843
baseline
▲ 0.50% · 4.625%
HK$132,476
+HK$6,633/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$251,686/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,983
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,275
−HK$4,361/mo
Today · 4.125%
HK$146,636
baseline
▲ 0.50% · 4.625%
HK$155,558
+HK$8,922/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,272/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,505
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$157,622
−HK$4,176/mo
Today · 4.125%
HK$161,798
baseline
▲ 0.50% · 4.625%
HK$170,327
+HK$8,529/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,596/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,757 · Scale 2, in force from 26 Feb 2026)