LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,738
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,125
−HK$2,425/mo
Today · 4.125%
HK$81,550
baseline
▲ 0.50% · 4.625%
HK$86,512
+HK$4,962/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,100/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,370
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,660
−HK$2,323/mo
Today · 4.125%
HK$89,983
baseline
▲ 0.50% · 4.625%
HK$94,726
+HK$4,743/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$179,966/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,086
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,950
−HK$2,910/mo
Today · 4.125%
HK$97,860
baseline
▲ 0.50% · 4.625%
HK$103,815
+HK$5,955/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,720/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,444
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,192
−HK$2,787/mo
Today · 4.125%
HK$107,979
baseline
▲ 0.50% · 4.625%
HK$113,671
+HK$5,692/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,958/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,433
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$110,775
−HK$3,395/mo
Today · 4.125%
HK$114,170
baseline
▲ 0.50% · 4.625%
HK$121,117
+HK$6,947/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,340/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,518
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,724
−HK$3,252/mo
Today · 4.125%
HK$125,976
baseline
▲ 0.50% · 4.625%
HK$132,616
+HK$6,640/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$251,952/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,129
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$142,425
−HK$4,365/mo
Today · 4.125%
HK$146,790
baseline
▲ 0.50% · 4.625%
HK$155,722
+HK$8,932/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$293,580/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,667
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$157,788
−HK$4,181/mo
Today · 4.125%
HK$161,969
baseline
▲ 0.50% · 4.625%
HK$170,506
+HK$8,537/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$323,938/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,264 · Scale 2, in force from 26 Feb 2026)