LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,699
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,085
−HK$2,424/mo
Today · 4.125%
HK$81,509
baseline
▲ 0.50% · 4.625%
HK$86,468
+HK$4,959/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,018/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,327
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,615
−HK$2,322/mo
Today · 4.125%
HK$89,937
baseline
▲ 0.50% · 4.625%
HK$94,678
+HK$4,741/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,874/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,039
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,902
−HK$2,909/mo
Today · 4.125%
HK$97,811
baseline
▲ 0.50% · 4.625%
HK$103,762
+HK$5,951/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$195,622/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,392
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,138
−HK$2,786/mo
Today · 4.125%
HK$107,924
baseline
▲ 0.50% · 4.625%
HK$113,613
+HK$5,689/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$215,848/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,379
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,719
−HK$3,393/mo
Today · 4.125%
HK$114,112
baseline
▲ 0.50% · 4.625%
HK$121,056
+HK$6,944/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,224/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,458
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,661
−HK$3,251/mo
Today · 4.125%
HK$125,912
baseline
▲ 0.50% · 4.625%
HK$132,549
+HK$6,637/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,824/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,058
−HK$8,658/mo
▼ 0.25% · 3.875%
HK$142,353
−HK$4,363/mo
Today · 4.125%
HK$146,716
baseline
▲ 0.50% · 4.625%
HK$155,643
+HK$8,927/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$293,432/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,588
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$157,708
−HK$4,178/mo
Today · 4.125%
HK$161,886
baseline
▲ 0.50% · 4.625%
HK$170,420
+HK$8,534/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$323,772/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,537 · Scale 2, in force from 26 Feb 2026)