LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,777
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,165
−HK$2,427/mo
Today · 4.125%
HK$81,592
baseline
▲ 0.50% · 4.625%
HK$86,556
+HK$4,964/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,184/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,430,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,414
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,704
−HK$2,324/mo
Today · 4.125%
HK$90,028
baseline
▲ 0.50% · 4.625%
HK$94,774
+HK$4,746/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,056/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,430,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,132
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$94,998
−HK$2,912/mo
Today · 4.125%
HK$97,910
baseline
▲ 0.50% · 4.625%
HK$103,867
+HK$5,957/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,820/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,496
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,245
−HK$2,789/mo
Today · 4.125%
HK$108,034
baseline
▲ 0.50% · 4.625%
HK$113,728
+HK$5,694/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,068/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,488
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,831
−HK$3,397/mo
Today · 4.125%
HK$114,228
baseline
▲ 0.50% · 4.625%
HK$121,179
+HK$6,951/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,456/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,579
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,786
−HK$3,254/mo
Today · 4.125%
HK$126,040
baseline
▲ 0.50% · 4.625%
HK$132,683
+HK$6,643/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,080/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,199
−HK$8,666/mo
▼ 0.25% · 3.875%
HK$142,497
−HK$4,368/mo
Today · 4.125%
HK$146,865
baseline
▲ 0.50% · 4.625%
HK$155,801
+HK$8,936/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,730/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,744
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$157,868
−HK$4,183/mo
Today · 4.125%
HK$162,051
baseline
▲ 0.50% · 4.625%
HK$170,593
+HK$8,542/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,102/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,989 · Scale 2, in force from 26 Feb 2026)