LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,729
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,115
−HK$2,425/mo
Today · 4.125%
HK$81,540
baseline
▲ 0.50% · 4.625%
HK$86,502
+HK$4,962/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,080/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,430,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,360
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,649
−HK$2,323/mo
Today · 4.125%
HK$89,972
baseline
▲ 0.50% · 4.625%
HK$94,714
+HK$4,742/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,944/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,430,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,074
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,939
−HK$2,909/mo
Today · 4.125%
HK$97,848
baseline
▲ 0.50% · 4.625%
HK$103,802
+HK$5,954/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,696/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,432
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,179
−HK$2,787/mo
Today · 4.125%
HK$107,966
baseline
▲ 0.50% · 4.625%
HK$113,657
+HK$5,691/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,932/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,420
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,762
−HK$3,394/mo
Today · 4.125%
HK$114,156
baseline
▲ 0.50% · 4.625%
HK$121,103
+HK$6,947/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,312/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,430,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,504
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,709
−HK$3,251/mo
Today · 4.125%
HK$125,960
baseline
▲ 0.50% · 4.625%
HK$132,600
+HK$6,640/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,920/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,430,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,112
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$142,408
−HK$4,365/mo
Today · 4.125%
HK$146,773
baseline
▲ 0.50% · 4.625%
HK$155,703
+HK$8,930/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$293,546/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,648
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$157,769
−HK$4,180/mo
Today · 4.125%
HK$161,949
baseline
▲ 0.50% · 4.625%
HK$170,486
+HK$8,537/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$323,898/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,090 · Scale 2, in force from 26 Feb 2026)