LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,756
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,143
−HK$2,426/mo
Today · 4.125%
HK$81,569
baseline
▲ 0.50% · 4.625%
HK$86,532
+HK$4,963/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,138/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,390
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,680
−HK$2,323/mo
Today · 4.125%
HK$90,003
baseline
▲ 0.50% · 4.625%
HK$94,747
+HK$4,744/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$180,006/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,107
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,972
−HK$2,911/mo
Today · 4.125%
HK$97,883
baseline
▲ 0.50% · 4.625%
HK$103,839
+HK$5,956/mo
Deposit HK$13.46M · loan HK$20.20M · min. income ≈ HK$195,766/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,468
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,216
−HK$2,788/mo
Today · 4.125%
HK$108,004
baseline
▲ 0.50% · 4.625%
HK$113,697
+HK$5,693/mo
Deposit HK$13.46M · loan HK$20.20M · min. income ≈ HK$216,008/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,458
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$110,800
−HK$3,396/mo
Today · 4.125%
HK$114,196
baseline
▲ 0.50% · 4.625%
HK$121,145
+HK$6,949/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,392/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,546
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,752
−HK$3,253/mo
Today · 4.125%
HK$126,005
baseline
▲ 0.50% · 4.625%
HK$132,646
+HK$6,641/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$252,010/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,160
−HK$8,664/mo
▼ 0.25% · 3.875%
HK$142,458
−HK$4,366/mo
Today · 4.125%
HK$146,824
baseline
▲ 0.50% · 4.625%
HK$155,758
+HK$8,934/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$293,648/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,702
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$157,824
−HK$4,182/mo
Today · 4.125%
HK$162,006
baseline
▲ 0.50% · 4.625%
HK$170,545
+HK$8,539/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$324,012/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,592 · Scale 2, in force from 26 Feb 2026)