LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,689
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,075
−HK$2,423/mo
Today · 4.125%
HK$81,498
baseline
▲ 0.50% · 4.625%
HK$86,457
+HK$4,959/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$162,996/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,316
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,604
−HK$2,321/mo
Today · 4.125%
HK$89,925
baseline
▲ 0.50% · 4.625%
HK$94,665
+HK$4,740/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,850/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,027
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,889
−HK$2,909/mo
Today · 4.125%
HK$97,798
baseline
▲ 0.50% · 4.625%
HK$103,749
+HK$5,951/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$195,596/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,379
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,125
−HK$2,785/mo
Today · 4.125%
HK$107,910
baseline
▲ 0.50% · 4.625%
HK$113,598
+HK$5,688/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$215,820/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,365
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$110,704
−HK$3,393/mo
Today · 4.125%
HK$114,097
baseline
▲ 0.50% · 4.625%
HK$121,040
+HK$6,943/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$228,194/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,442
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,646
−HK$3,249/mo
Today · 4.125%
HK$125,895
baseline
▲ 0.50% · 4.625%
HK$132,531
+HK$6,636/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$251,790/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,040
−HK$8,657/mo
▼ 0.25% · 3.875%
HK$142,334
−HK$4,363/mo
Today · 4.125%
HK$146,697
baseline
▲ 0.50% · 4.625%
HK$155,623
+HK$8,926/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$293,394/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,568
−HK$8,297/mo
▼ 0.25% · 3.875%
HK$157,687
−HK$4,178/mo
Today · 4.125%
HK$161,865
baseline
▲ 0.50% · 4.625%
HK$170,397
+HK$8,532/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$323,730/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,351 · Scale 2, in force from 26 Feb 2026)