LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,996
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,391
−HK$2,434/mo
Today · 4.125%
HK$81,825
baseline
▲ 0.50% · 4.625%
HK$86,804
+HK$4,979/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,650/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,658
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,955
−HK$2,331/mo
Today · 4.125%
HK$90,286
baseline
▲ 0.50% · 4.625%
HK$95,045
+HK$4,759/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,572/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,396
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,270
−HK$2,920/mo
Today · 4.125%
HK$98,190
baseline
▲ 0.50% · 4.625%
HK$104,164
+HK$5,974/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,380/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,789
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,546
−HK$2,797/mo
Today · 4.125%
HK$108,343
baseline
▲ 0.50% · 4.625%
HK$114,054
+HK$5,711/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,686/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,795
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,148
−HK$3,407/mo
Today · 4.125%
HK$114,555
baseline
▲ 0.50% · 4.625%
HK$121,525
+HK$6,970/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,110/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,921
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,137
−HK$3,263/mo
Today · 4.125%
HK$126,400
baseline
▲ 0.50% · 4.625%
HK$133,062
+HK$6,662/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,800/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,593
−HK$8,692/mo
▼ 0.25% · 3.875%
HK$142,905
−HK$4,380/mo
Today · 4.125%
HK$147,285
baseline
▲ 0.50% · 4.625%
HK$156,246
+HK$8,961/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,570/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,184
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,319
−HK$4,195/mo
Today · 4.125%
HK$162,514
baseline
▲ 0.50% · 4.625%
HK$171,080
+HK$8,566/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,028/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,079 · Scale 2, in force from 26 Feb 2026)