LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,776
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,164
−HK$2,426/mo
Today · 4.125%
HK$81,590
baseline
▲ 0.50% · 4.625%
HK$86,555
+HK$4,965/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,180/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,430,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,412
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,703
−HK$2,324/mo
Today · 4.125%
HK$90,027
baseline
▲ 0.50% · 4.625%
HK$94,772
+HK$4,745/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$180,054/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,430,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,131
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,997
−HK$2,911/mo
Today · 4.125%
HK$97,908
baseline
▲ 0.50% · 4.625%
HK$103,866
+HK$5,958/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,816/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,495
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,244
−HK$2,788/mo
Today · 4.125%
HK$108,032
baseline
▲ 0.50% · 4.625%
HK$113,727
+HK$5,695/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,064/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,486
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,830
−HK$3,396/mo
Today · 4.125%
HK$114,226
baseline
▲ 0.50% · 4.625%
HK$121,177
+HK$6,951/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,452/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,577
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,784
−HK$3,254/mo
Today · 4.125%
HK$126,038
baseline
▲ 0.50% · 4.625%
HK$132,681
+HK$6,643/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,076/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,196
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$142,495
−HK$4,368/mo
Today · 4.125%
HK$146,863
baseline
▲ 0.50% · 4.625%
HK$155,799
+HK$8,936/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,726/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,742
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$157,865
−HK$4,183/mo
Today · 4.125%
HK$162,048
baseline
▲ 0.50% · 4.625%
HK$170,590
+HK$8,542/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,096/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,967 · Scale 2, in force from 26 Feb 2026)