LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,742
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,129
−HK$2,425/mo
Today · 4.125%
HK$81,554
baseline
▲ 0.50% · 4.625%
HK$86,517
+HK$4,963/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,108/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,374
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,664
−HK$2,323/mo
Today · 4.125%
HK$89,987
baseline
▲ 0.50% · 4.625%
HK$94,730
+HK$4,743/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$179,974/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,090
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,955
−HK$2,910/mo
Today · 4.125%
HK$97,865
baseline
▲ 0.50% · 4.625%
HK$103,820
+HK$5,955/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,730/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,449
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,197
−HK$2,787/mo
Today · 4.125%
HK$107,984
baseline
▲ 0.50% · 4.625%
HK$113,676
+HK$5,692/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,968/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,438
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$110,780
−HK$3,396/mo
Today · 4.125%
HK$114,176
baseline
▲ 0.50% · 4.625%
HK$121,123
+HK$6,947/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,352/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,524
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,730
−HK$3,252/mo
Today · 4.125%
HK$125,982
baseline
▲ 0.50% · 4.625%
HK$132,622
+HK$6,640/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$251,964/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,135
−HK$8,662/mo
▼ 0.25% · 3.875%
HK$142,432
−HK$4,365/mo
Today · 4.125%
HK$146,797
baseline
▲ 0.50% · 4.625%
HK$155,730
+HK$8,933/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$293,594/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,674
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$157,795
−HK$4,182/mo
Today · 4.125%
HK$161,977
baseline
▲ 0.50% · 4.625%
HK$170,515
+HK$8,538/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$323,954/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,333 · Scale 2, in force from 26 Feb 2026)