LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,661
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,046
−HK$2,422/mo
Today · 4.125%
HK$81,468
baseline
▲ 0.50% · 4.625%
HK$86,426
+HK$4,958/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$1,428,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,285
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,572
−HK$2,320/mo
Today · 4.125%
HK$89,892
baseline
▲ 0.50% · 4.625%
HK$94,631
+HK$4,739/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$1,428,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,993
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,855
−HK$2,907/mo
Today · 4.125%
HK$97,762
baseline
▲ 0.50% · 4.625%
HK$103,711
+HK$5,949/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,524/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,342
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,086
−HK$2,785/mo
Today · 4.125%
HK$107,871
baseline
▲ 0.50% · 4.625%
HK$113,557
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,742/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,326
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,664
−HK$3,392/mo
Today · 4.125%
HK$114,056
baseline
▲ 0.50% · 4.625%
HK$120,996
+HK$6,940/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$228,112/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,399
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,601
−HK$3,248/mo
Today · 4.125%
HK$125,849
baseline
▲ 0.50% · 4.625%
HK$132,483
+HK$6,634/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$251,698/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,990
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,282
−HK$4,361/mo
Today · 4.125%
HK$146,643
baseline
▲ 0.50% · 4.625%
HK$155,566
+HK$8,923/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,286/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,512
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,630
−HK$4,176/mo
Today · 4.125%
HK$161,806
baseline
▲ 0.50% · 4.625%
HK$170,335
+HK$8,529/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,612/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,829 · Scale 2, in force from 26 Feb 2026)