LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,669
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,054
−HK$2,423/mo
Today · 4.125%
HK$81,477
baseline
▲ 0.50% · 4.625%
HK$86,434
+HK$4,957/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,954/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,293
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,581
−HK$2,320/mo
Today · 4.125%
HK$89,901
baseline
▲ 0.50% · 4.625%
HK$94,640
+HK$4,739/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,802/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,003
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,864
−HK$2,908/mo
Today · 4.125%
HK$97,772
baseline
▲ 0.50% · 4.625%
HK$103,721
+HK$5,949/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,544/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,352
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,097
−HK$2,785/mo
Today · 4.125%
HK$107,882
baseline
▲ 0.50% · 4.625%
HK$113,568
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,764/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,336
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$110,675
−HK$3,392/mo
Today · 4.125%
HK$114,067
baseline
▲ 0.50% · 4.625%
HK$121,008
+HK$6,941/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$228,134/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,428,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,411
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,613
−HK$3,249/mo
Today · 4.125%
HK$125,862
baseline
▲ 0.50% · 4.625%
HK$132,496
+HK$6,634/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$251,724/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,428,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,004
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$142,297
−HK$4,361/mo
Today · 4.125%
HK$146,658
baseline
▲ 0.50% · 4.625%
HK$155,582
+HK$8,924/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,316/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,528
−HK$8,295/mo
▼ 0.25% · 3.875%
HK$157,646
−HK$4,177/mo
Today · 4.125%
HK$161,823
baseline
▲ 0.50% · 4.625%
HK$170,353
+HK$8,530/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,646/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,975 · Scale 2, in force from 26 Feb 2026)