LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,727
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,113
−HK$2,425/mo
Today · 4.125%
HK$81,538
baseline
▲ 0.50% · 4.625%
HK$86,500
+HK$4,962/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,076/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,430,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,358
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,647
−HK$2,322/mo
Today · 4.125%
HK$89,969
baseline
▲ 0.50% · 4.625%
HK$94,712
+HK$4,743/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,938/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,430,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,072
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,936
−HK$2,910/mo
Today · 4.125%
HK$97,846
baseline
▲ 0.50% · 4.625%
HK$103,799
+HK$5,953/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,692/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,429
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,176
−HK$2,787/mo
Today · 4.125%
HK$107,963
baseline
▲ 0.50% · 4.625%
HK$113,654
+HK$5,691/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,926/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,417
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,759
−HK$3,394/mo
Today · 4.125%
HK$114,153
baseline
▲ 0.50% · 4.625%
HK$121,099
+HK$6,946/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,306/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,430,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,501
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,706
−HK$3,251/mo
Today · 4.125%
HK$125,957
baseline
▲ 0.50% · 4.625%
HK$132,596
+HK$6,639/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,914/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,430,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,108
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$142,404
−HK$4,365/mo
Today · 4.125%
HK$146,769
baseline
▲ 0.50% · 4.625%
HK$155,699
+HK$8,930/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$293,538/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,430,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,644
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$157,764
−HK$4,181/mo
Today · 4.125%
HK$161,945
baseline
▲ 0.50% · 4.625%
HK$170,481
+HK$8,536/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$323,890/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,430,052 · Scale 2, in force from 26 Feb 2026)