LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,704
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,090
−HK$2,424/mo
Today · 4.125%
HK$81,514
baseline
▲ 0.50% · 4.625%
HK$86,474
+HK$4,960/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,028/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,333
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,621
−HK$2,322/mo
Today · 4.125%
HK$89,943
baseline
▲ 0.50% · 4.625%
HK$94,684
+HK$4,741/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,886/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,045
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,908
−HK$2,909/mo
Today · 4.125%
HK$97,817
baseline
▲ 0.50% · 4.625%
HK$103,769
+HK$5,952/mo
Deposit HK$13.46M · loan HK$20.18M · min. income ≈ HK$195,634/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,399
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,145
−HK$2,786/mo
Today · 4.125%
HK$107,931
baseline
▲ 0.50% · 4.625%
HK$113,621
+HK$5,690/mo
Deposit HK$13.46M · loan HK$20.18M · min. income ≈ HK$215,862/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,386
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,726
−HK$3,394/mo
Today · 4.125%
HK$114,120
baseline
▲ 0.50% · 4.625%
HK$121,064
+HK$6,944/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,240/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,466
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,670
−HK$3,250/mo
Today · 4.125%
HK$125,920
baseline
▲ 0.50% · 4.625%
HK$132,557
+HK$6,637/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,840/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,067
−HK$8,658/mo
▼ 0.25% · 3.875%
HK$142,362
−HK$4,363/mo
Today · 4.125%
HK$146,725
baseline
▲ 0.50% · 4.625%
HK$155,653
+HK$8,928/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$293,450/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,599
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$157,718
−HK$4,179/mo
Today · 4.125%
HK$161,897
baseline
▲ 0.50% · 4.625%
HK$170,431
+HK$8,534/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$323,794/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,631 · Scale 2, in force from 26 Feb 2026)