LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,731
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,117
−HK$2,425/mo
Today · 4.125%
HK$81,542
baseline
▲ 0.50% · 4.625%
HK$86,504
+HK$4,962/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,084/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,362
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,651
−HK$2,323/mo
Today · 4.125%
HK$89,974
baseline
▲ 0.50% · 4.625%
HK$94,717
+HK$4,743/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$179,948/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,077
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,941
−HK$2,910/mo
Today · 4.125%
HK$97,851
baseline
▲ 0.50% · 4.625%
HK$103,805
+HK$5,954/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,702/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,435
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,182
−HK$2,787/mo
Today · 4.125%
HK$107,969
baseline
▲ 0.50% · 4.625%
HK$113,660
+HK$5,691/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,938/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,423
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,764
−HK$3,395/mo
Today · 4.125%
HK$114,159
baseline
▲ 0.50% · 4.625%
HK$121,106
+HK$6,947/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,318/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,507
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,712
−HK$3,252/mo
Today · 4.125%
HK$125,964
baseline
▲ 0.50% · 4.625%
HK$132,603
+HK$6,639/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$251,928/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,115
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$142,411
−HK$4,365/mo
Today · 4.125%
HK$146,776
baseline
▲ 0.50% · 4.625%
HK$155,707
+HK$8,931/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$293,552/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,652
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$157,773
−HK$4,180/mo
Today · 4.125%
HK$161,953
baseline
▲ 0.50% · 4.625%
HK$170,490
+HK$8,537/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$323,906/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,126 · Scale 2, in force from 26 Feb 2026)