LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,694
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,080
−HK$2,423/mo
Today · 4.125%
HK$81,503
baseline
▲ 0.50% · 4.625%
HK$86,463
+HK$4,960/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,006/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,321
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,610
−HK$2,321/mo
Today · 4.125%
HK$89,931
baseline
▲ 0.50% · 4.625%
HK$94,671
+HK$4,740/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,862/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,033
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,896
−HK$2,908/mo
Today · 4.125%
HK$97,804
baseline
▲ 0.50% · 4.625%
HK$103,755
+HK$5,951/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$195,608/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,386
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,131
−HK$2,786/mo
Today · 4.125%
HK$107,917
baseline
▲ 0.50% · 4.625%
HK$113,606
+HK$5,689/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$215,834/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,372
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,711
−HK$3,394/mo
Today · 4.125%
HK$114,105
baseline
▲ 0.50% · 4.625%
HK$121,048
+HK$6,943/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$228,210/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,450
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,653
−HK$3,250/mo
Today · 4.125%
HK$125,903
baseline
▲ 0.50% · 4.625%
HK$132,540
+HK$6,637/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$251,806/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,049
−HK$8,657/mo
▼ 0.25% · 3.875%
HK$142,343
−HK$4,363/mo
Today · 4.125%
HK$146,706
baseline
▲ 0.50% · 4.625%
HK$155,633
+HK$8,927/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$293,412/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,578
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$157,697
−HK$4,179/mo
Today · 4.125%
HK$161,876
baseline
▲ 0.50% · 4.625%
HK$170,408
+HK$8,532/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$323,752/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,443 · Scale 2, in force from 26 Feb 2026)