LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,692
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,078
−HK$2,423/mo
Today · 4.125%
HK$81,501
baseline
▲ 0.50% · 4.625%
HK$86,461
+HK$4,960/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,002/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,319
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,607
−HK$2,322/mo
Today · 4.125%
HK$89,929
baseline
▲ 0.50% · 4.625%
HK$94,669
+HK$4,740/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,858/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,030
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,893
−HK$2,909/mo
Today · 4.125%
HK$97,802
baseline
▲ 0.50% · 4.625%
HK$103,753
+HK$5,951/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$195,604/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,383
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,129
−HK$2,785/mo
Today · 4.125%
HK$107,914
baseline
▲ 0.50% · 4.625%
HK$113,603
+HK$5,689/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$215,828/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,369
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,709
−HK$3,393/mo
Today · 4.125%
HK$114,102
baseline
▲ 0.50% · 4.625%
HK$121,045
+HK$6,943/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$228,204/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,447
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,650
−HK$3,250/mo
Today · 4.125%
HK$125,900
baseline
▲ 0.50% · 4.625%
HK$132,537
+HK$6,637/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$251,800/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,046
−HK$8,656/mo
▼ 0.25% · 3.875%
HK$142,340
−HK$4,362/mo
Today · 4.125%
HK$146,702
baseline
▲ 0.50% · 4.625%
HK$155,629
+HK$8,927/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$293,404/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,574
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$157,693
−HK$4,179/mo
Today · 4.125%
HK$161,872
baseline
▲ 0.50% · 4.625%
HK$170,404
+HK$8,532/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$323,744/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,407 · Scale 2, in force from 26 Feb 2026)