LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,774
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,162
−HK$2,426/mo
Today · 4.125%
HK$81,588
baseline
▲ 0.50% · 4.625%
HK$86,553
+HK$4,965/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,176/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,430,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,410
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,701
−HK$2,324/mo
Today · 4.125%
HK$90,025
baseline
▲ 0.50% · 4.625%
HK$94,770
+HK$4,745/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$180,050/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,430,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,129
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,994
−HK$2,912/mo
Today · 4.125%
HK$97,906
baseline
▲ 0.50% · 4.625%
HK$103,863
+HK$5,957/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,812/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,492
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,241
−HK$2,788/mo
Today · 4.125%
HK$108,029
baseline
▲ 0.50% · 4.625%
HK$113,724
+HK$5,695/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,058/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,483
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,827
−HK$3,396/mo
Today · 4.125%
HK$114,223
baseline
▲ 0.50% · 4.625%
HK$121,174
+HK$6,951/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,446/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,574
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,781
−HK$3,253/mo
Today · 4.125%
HK$126,034
baseline
▲ 0.50% · 4.625%
HK$132,678
+HK$6,644/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,068/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,193
−HK$8,666/mo
▼ 0.25% · 3.875%
HK$142,491
−HK$4,368/mo
Today · 4.125%
HK$146,859
baseline
▲ 0.50% · 4.625%
HK$155,795
+HK$8,936/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,718/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,738
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$157,861
−HK$4,183/mo
Today · 4.125%
HK$162,044
baseline
▲ 0.50% · 4.625%
HK$170,586
+HK$8,542/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,088/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,930 · Scale 2, in force from 26 Feb 2026)