LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,661
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,045
−HK$2,423/mo
Today · 4.125%
HK$81,468
baseline
▲ 0.50% · 4.625%
HK$86,425
+HK$4,957/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,936/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,284
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,571
−HK$2,321/mo
Today · 4.125%
HK$89,892
baseline
▲ 0.50% · 4.625%
HK$94,630
+HK$4,738/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,784/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,993
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,854
−HK$2,907/mo
Today · 4.125%
HK$97,761
baseline
▲ 0.50% · 4.625%
HK$103,710
+HK$5,949/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,522/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,341
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,086
−HK$2,784/mo
Today · 4.125%
HK$107,870
baseline
▲ 0.50% · 4.625%
HK$113,556
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,740/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,325
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,663
−HK$3,392/mo
Today · 4.125%
HK$114,055
baseline
▲ 0.50% · 4.625%
HK$120,995
+HK$6,940/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$228,110/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,398
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,600
−HK$3,248/mo
Today · 4.125%
HK$125,848
baseline
▲ 0.50% · 4.625%
HK$132,482
+HK$6,634/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$251,696/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,989
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,281
−HK$4,361/mo
Today · 4.125%
HK$146,642
baseline
▲ 0.50% · 4.625%
HK$155,565
+HK$8,923/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,284/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,511
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,628
−HK$4,177/mo
Today · 4.125%
HK$161,805
baseline
▲ 0.50% · 4.625%
HK$170,334
+HK$8,529/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,610/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,819 · Scale 2, in force from 26 Feb 2026)