LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,712
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,098
−HK$2,424/mo
Today · 4.125%
HK$81,522
baseline
▲ 0.50% · 4.625%
HK$86,483
+HK$4,961/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,044/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,341
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,630
−HK$2,322/mo
Today · 4.125%
HK$89,952
baseline
▲ 0.50% · 4.625%
HK$94,693
+HK$4,741/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,904/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,054
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,918
−HK$2,909/mo
Today · 4.125%
HK$97,827
baseline
▲ 0.50% · 4.625%
HK$103,779
+HK$5,952/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,654/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,409
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,156
−HK$2,786/mo
Today · 4.125%
HK$107,942
baseline
▲ 0.50% · 4.625%
HK$113,632
+HK$5,690/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,884/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,397
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,737
−HK$3,394/mo
Today · 4.125%
HK$114,131
baseline
▲ 0.50% · 4.625%
HK$121,076
+HK$6,945/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,262/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,478
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,682
−HK$3,251/mo
Today · 4.125%
HK$125,933
baseline
▲ 0.50% · 4.625%
HK$132,571
+HK$6,638/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,866/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,081
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$142,377
−HK$4,363/mo
Today · 4.125%
HK$146,740
baseline
▲ 0.50% · 4.625%
HK$155,669
+HK$8,929/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$293,480/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,614
−HK$8,299/mo
▼ 0.25% · 3.875%
HK$157,734
−HK$4,179/mo
Today · 4.125%
HK$161,913
baseline
▲ 0.50% · 4.625%
HK$170,448
+HK$8,535/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$323,826/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,776 · Scale 2, in force from 26 Feb 2026)