LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,818
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,208
−HK$2,428/mo
Today · 4.125%
HK$81,636
baseline
▲ 0.50% · 4.625%
HK$86,603
+HK$4,967/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,272/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,460
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,752
−HK$2,325/mo
Today · 4.125%
HK$90,077
baseline
▲ 0.50% · 4.625%
HK$94,825
+HK$4,748/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,154/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,182
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,049
−HK$2,914/mo
Today · 4.125%
HK$97,963
baseline
▲ 0.50% · 4.625%
HK$103,923
+HK$5,960/mo
Deposit HK$13.48M · loan HK$20.21M · min. income ≈ HK$195,926/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,552
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,302
−HK$2,790/mo
Today · 4.125%
HK$108,092
baseline
▲ 0.50% · 4.625%
HK$113,790
+HK$5,698/mo
Deposit HK$13.48M · loan HK$20.21M · min. income ≈ HK$216,184/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,546
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,891
−HK$3,399/mo
Today · 4.125%
HK$114,290
baseline
▲ 0.50% · 4.625%
HK$121,244
+HK$6,954/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$228,580/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,644
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,852
−HK$3,256/mo
Today · 4.125%
HK$126,108
baseline
▲ 0.50% · 4.625%
HK$132,755
+HK$6,647/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$252,216/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,273
−HK$8,671/mo
▼ 0.25% · 3.875%
HK$142,574
−HK$4,370/mo
Today · 4.125%
HK$146,944
baseline
▲ 0.50% · 4.625%
HK$155,885
+HK$8,941/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$293,888/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,827
−HK$8,311/mo
▼ 0.25% · 3.875%
HK$157,953
−HK$4,185/mo
Today · 4.125%
HK$162,138
baseline
▲ 0.50% · 4.625%
HK$170,685
+HK$8,547/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$324,276/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,761 · Scale 2, in force from 26 Feb 2026)