LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,815
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,204
−HK$2,427/mo
Today · 4.125%
HK$81,631
baseline
▲ 0.50% · 4.625%
HK$86,599
+HK$4,968/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,262/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,455
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,747
−HK$2,325/mo
Today · 4.125%
HK$90,072
baseline
▲ 0.50% · 4.625%
HK$94,820
+HK$4,748/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,144/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,177
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,045
−HK$2,913/mo
Today · 4.125%
HK$97,958
baseline
▲ 0.50% · 4.625%
HK$103,918
+HK$5,960/mo
Deposit HK$13.47M · loan HK$20.21M · min. income ≈ HK$195,916/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,546
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,297
−HK$2,790/mo
Today · 4.125%
HK$108,087
baseline
▲ 0.50% · 4.625%
HK$113,784
+HK$5,697/mo
Deposit HK$13.47M · loan HK$20.21M · min. income ≈ HK$216,174/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,540
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,885
−HK$3,399/mo
Today · 4.125%
HK$114,284
baseline
▲ 0.50% · 4.625%
HK$121,238
+HK$6,954/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$228,568/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,638
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,846
−HK$3,255/mo
Today · 4.125%
HK$126,101
baseline
▲ 0.50% · 4.625%
HK$132,748
+HK$6,647/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$252,202/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,266
−HK$8,671/mo
▼ 0.25% · 3.875%
HK$142,567
−HK$4,370/mo
Today · 4.125%
HK$146,937
baseline
▲ 0.50% · 4.625%
HK$155,877
+HK$8,940/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$293,874/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,820
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$157,945
−HK$4,185/mo
Today · 4.125%
HK$162,130
baseline
▲ 0.50% · 4.625%
HK$170,676
+HK$8,546/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$324,260/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,689 · Scale 2, in force from 26 Feb 2026)