LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,668
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,053
−HK$2,422/mo
Today · 4.125%
HK$81,475
baseline
▲ 0.50% · 4.625%
HK$86,433
+HK$4,958/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,950/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,292
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,580
−HK$2,320/mo
Today · 4.125%
HK$89,900
baseline
▲ 0.50% · 4.625%
HK$94,639
+HK$4,739/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,800/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,001
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$94,863
−HK$2,908/mo
Today · 4.125%
HK$97,771
baseline
▲ 0.50% · 4.625%
HK$103,720
+HK$5,949/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,542/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,350
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,095
−HK$2,785/mo
Today · 4.125%
HK$107,880
baseline
▲ 0.50% · 4.625%
HK$113,567
+HK$5,687/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,760/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,335
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$110,674
−HK$3,392/mo
Today · 4.125%
HK$114,066
baseline
▲ 0.50% · 4.625%
HK$121,006
+HK$6,940/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$228,132/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,428,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,409
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,611
−HK$3,249/mo
Today · 4.125%
HK$125,860
baseline
▲ 0.50% · 4.625%
HK$132,494
+HK$6,634/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$251,720/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,428,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,002
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$142,295
−HK$4,361/mo
Today · 4.125%
HK$146,656
baseline
▲ 0.50% · 4.625%
HK$155,580
+HK$8,924/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,312/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,526
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,643
−HK$4,177/mo
Today · 4.125%
HK$161,820
baseline
▲ 0.50% · 4.625%
HK$170,350
+HK$8,530/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,640/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,953 · Scale 2, in force from 26 Feb 2026)