LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,757
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,144
−HK$2,426/mo
Today · 4.125%
HK$81,570
baseline
▲ 0.50% · 4.625%
HK$86,533
+HK$4,963/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,140/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,391
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,681
−HK$2,323/mo
Today · 4.125%
HK$90,004
baseline
▲ 0.50% · 4.625%
HK$94,749
+HK$4,745/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$180,008/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,108
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,973
−HK$2,911/mo
Today · 4.125%
HK$97,884
baseline
▲ 0.50% · 4.625%
HK$103,840
+HK$5,956/mo
Deposit HK$13.46M · loan HK$20.20M · min. income ≈ HK$195,768/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,469
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,217
−HK$2,788/mo
Today · 4.125%
HK$108,005
baseline
▲ 0.50% · 4.625%
HK$113,698
+HK$5,693/mo
Deposit HK$13.46M · loan HK$20.20M · min. income ≈ HK$216,010/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,459
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,802
−HK$3,396/mo
Today · 4.125%
HK$114,198
baseline
▲ 0.50% · 4.625%
HK$121,146
+HK$6,948/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,396/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,547
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,753
−HK$3,253/mo
Today · 4.125%
HK$126,006
baseline
▲ 0.50% · 4.625%
HK$132,648
+HK$6,642/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$252,012/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,162
−HK$8,664/mo
▼ 0.25% · 3.875%
HK$142,459
−HK$4,367/mo
Today · 4.125%
HK$146,826
baseline
▲ 0.50% · 4.625%
HK$155,760
+HK$8,934/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,652/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,704
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$157,826
−HK$4,182/mo
Today · 4.125%
HK$162,008
baseline
▲ 0.50% · 4.625%
HK$170,547
+HK$8,539/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,016/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,608 · Scale 2, in force from 26 Feb 2026)