LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,707
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,093
−HK$2,425/mo
Today · 4.125%
HK$81,518
baseline
▲ 0.50% · 4.625%
HK$86,478
+HK$4,960/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,036/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,336
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,625
−HK$2,322/mo
Today · 4.125%
HK$89,947
baseline
▲ 0.50% · 4.625%
HK$94,688
+HK$4,741/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,894/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,049
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,912
−HK$2,909/mo
Today · 4.125%
HK$97,821
baseline
▲ 0.50% · 4.625%
HK$103,773
+HK$5,952/mo
Deposit HK$13.46M · loan HK$20.18M · min. income ≈ HK$195,642/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,403
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,150
−HK$2,786/mo
Today · 4.125%
HK$107,936
baseline
▲ 0.50% · 4.625%
HK$113,625
+HK$5,689/mo
Deposit HK$13.46M · loan HK$20.18M · min. income ≈ HK$215,872/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,390
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,731
−HK$3,394/mo
Today · 4.125%
HK$114,125
baseline
▲ 0.50% · 4.625%
HK$121,069
+HK$6,944/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,250/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,471
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,675
−HK$3,250/mo
Today · 4.125%
HK$125,925
baseline
▲ 0.50% · 4.625%
HK$132,563
+HK$6,638/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,850/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,073
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$142,368
−HK$4,364/mo
Today · 4.125%
HK$146,732
baseline
▲ 0.50% · 4.625%
HK$155,660
+HK$8,928/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$293,464/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,605
−HK$8,299/mo
▼ 0.25% · 3.875%
HK$157,725
−HK$4,179/mo
Today · 4.125%
HK$161,904
baseline
▲ 0.50% · 4.625%
HK$170,438
+HK$8,534/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$323,808/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,691 · Scale 2, in force from 26 Feb 2026)