LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,769
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,157
−HK$2,426/mo
Today · 4.125%
HK$81,583
baseline
▲ 0.50% · 4.625%
HK$86,547
+HK$4,964/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,166/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,405
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,695
−HK$2,324/mo
Today · 4.125%
HK$90,019
baseline
▲ 0.50% · 4.625%
HK$94,764
+HK$4,745/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$180,038/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,123
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,988
−HK$2,912/mo
Today · 4.125%
HK$97,900
baseline
▲ 0.50% · 4.625%
HK$103,857
+HK$5,957/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,800/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,486
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,234
−HK$2,789/mo
Today · 4.125%
HK$108,023
baseline
▲ 0.50% · 4.625%
HK$113,717
+HK$5,694/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,046/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,476
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,820
−HK$3,396/mo
Today · 4.125%
HK$114,216
baseline
▲ 0.50% · 4.625%
HK$121,166
+HK$6,950/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,432/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,566
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,773
−HK$3,253/mo
Today · 4.125%
HK$126,026
baseline
▲ 0.50% · 4.625%
HK$132,669
+HK$6,643/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,052/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,184
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$142,482
−HK$4,367/mo
Today · 4.125%
HK$146,849
baseline
▲ 0.50% · 4.625%
HK$155,785
+HK$8,936/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,698/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,728
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$157,851
−HK$4,183/mo
Today · 4.125%
HK$162,034
baseline
▲ 0.50% · 4.625%
HK$170,575
+HK$8,541/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,068/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,839 · Scale 2, in force from 26 Feb 2026)