LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,686
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,071
−HK$2,424/mo
Today · 4.125%
HK$81,495
baseline
▲ 0.50% · 4.625%
HK$86,453
+HK$4,958/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$162,990/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,429,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,312
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,600
−HK$2,321/mo
Today · 4.125%
HK$89,921
baseline
▲ 0.50% · 4.625%
HK$94,661
+HK$4,740/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,842/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,429,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,023
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,885
−HK$2,909/mo
Today · 4.125%
HK$97,794
baseline
▲ 0.50% · 4.625%
HK$103,744
+HK$5,950/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$195,588/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,375
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,120
−HK$2,786/mo
Today · 4.125%
HK$107,906
baseline
▲ 0.50% · 4.625%
HK$113,593
+HK$5,687/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$215,812/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,360
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,700
−HK$3,393/mo
Today · 4.125%
HK$114,093
baseline
▲ 0.50% · 4.625%
HK$121,035
+HK$6,942/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$228,186/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,437
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,640
−HK$3,250/mo
Today · 4.125%
HK$125,890
baseline
▲ 0.50% · 4.625%
HK$132,526
+HK$6,636/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$251,780/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,034
−HK$8,656/mo
▼ 0.25% · 3.875%
HK$142,328
−HK$4,362/mo
Today · 4.125%
HK$146,690
baseline
▲ 0.50% · 4.625%
HK$155,616
+HK$8,926/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$293,380/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,562
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$157,680
−HK$4,178/mo
Today · 4.125%
HK$161,858
baseline
▲ 0.50% · 4.625%
HK$170,390
+HK$8,532/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$323,716/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,290 · Scale 2, in force from 26 Feb 2026)