LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,714
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,100
−HK$2,424/mo
Today · 4.125%
HK$81,524
baseline
▲ 0.50% · 4.625%
HK$86,485
+HK$4,961/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,048/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,343
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,632
−HK$2,322/mo
Today · 4.125%
HK$89,954
baseline
▲ 0.50% · 4.625%
HK$94,696
+HK$4,742/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,908/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,057
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,920
−HK$2,909/mo
Today · 4.125%
HK$97,829
baseline
▲ 0.50% · 4.625%
HK$103,782
+HK$5,953/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,658/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,412
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,159
−HK$2,786/mo
Today · 4.125%
HK$107,945
baseline
▲ 0.50% · 4.625%
HK$113,635
+HK$5,690/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,890/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,399
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,740
−HK$3,394/mo
Today · 4.125%
HK$114,134
baseline
▲ 0.50% · 4.625%
HK$121,079
+HK$6,945/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,268/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,481
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,685
−HK$3,251/mo
Today · 4.125%
HK$125,936
baseline
▲ 0.50% · 4.625%
HK$132,574
+HK$6,638/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,872/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,085
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$142,380
−HK$4,364/mo
Today · 4.125%
HK$146,744
baseline
▲ 0.50% · 4.625%
HK$155,673
+HK$8,929/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$293,488/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,618
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$157,738
−HK$4,180/mo
Today · 4.125%
HK$161,918
baseline
▲ 0.50% · 4.625%
HK$170,453
+HK$8,535/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$323,836/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,813 · Scale 2, in force from 26 Feb 2026)