LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,735
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,122
−HK$2,425/mo
Today · 4.125%
HK$81,547
baseline
▲ 0.50% · 4.625%
HK$86,509
+HK$4,962/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,094/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,367
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,657
−HK$2,322/mo
Today · 4.125%
HK$89,979
baseline
▲ 0.50% · 4.625%
HK$94,722
+HK$4,743/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$179,958/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,082
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,946
−HK$2,911/mo
Today · 4.125%
HK$97,857
baseline
▲ 0.50% · 4.625%
HK$103,811
+HK$5,954/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,714/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,440
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,188
−HK$2,787/mo
Today · 4.125%
HK$107,975
baseline
▲ 0.50% · 4.625%
HK$113,667
+HK$5,692/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,950/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,429
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$110,771
−HK$3,395/mo
Today · 4.125%
HK$114,166
baseline
▲ 0.50% · 4.625%
HK$121,113
+HK$6,947/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,332/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,514
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,719
−HK$3,252/mo
Today · 4.125%
HK$125,971
baseline
▲ 0.50% · 4.625%
HK$132,611
+HK$6,640/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$251,942/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,123
−HK$8,662/mo
▼ 0.25% · 3.875%
HK$142,420
−HK$4,365/mo
Today · 4.125%
HK$146,785
baseline
▲ 0.50% · 4.625%
HK$155,716
+HK$8,931/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$293,570/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,661
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$157,782
−HK$4,181/mo
Today · 4.125%
HK$161,963
baseline
▲ 0.50% · 4.625%
HK$170,500
+HK$8,537/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$323,926/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,209 · Scale 2, in force from 26 Feb 2026)