LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,412
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,789
−HK$2,415/mo
Today · 4.125%
HK$81,204
baseline
▲ 0.50% · 4.625%
HK$86,145
+HK$4,941/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,408/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,007
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,287
−HK$2,313/mo
Today · 4.125%
HK$89,600
baseline
▲ 0.50% · 4.625%
HK$94,323
+HK$4,723/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,200/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,694
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,547
−HK$2,897/mo
Today · 4.125%
HK$97,444
baseline
▲ 0.50% · 4.625%
HK$103,374
+HK$5,930/mo
Deposit HK$13.40M · loan HK$20.11M · min. income ≈ HK$194,888/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,009
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,745
−HK$2,775/mo
Today · 4.125%
HK$107,520
baseline
▲ 0.50% · 4.625%
HK$113,188
+HK$5,668/mo
Deposit HK$13.40M · loan HK$20.11M · min. income ≈ HK$215,040/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,977
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,304
−HK$3,381/mo
Today · 4.125%
HK$113,685
baseline
▲ 0.50% · 4.625%
HK$120,603
+HK$6,918/mo
Deposit HK$10.05M · loan HK$23.46M · min. income ≈ HK$227,370/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,010
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,202
−HK$3,238/mo
Today · 4.125%
HK$125,440
baseline
▲ 0.50% · 4.625%
HK$132,052
+HK$6,612/mo
Deposit HK$10.05M · loan HK$23.46M · min. income ≈ HK$250,880/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,541
−HK$8,625/mo
▼ 0.25% · 3.875%
HK$141,820
−HK$4,346/mo
Today · 4.125%
HK$146,166
baseline
▲ 0.50% · 4.625%
HK$155,060
+HK$8,894/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$292,332/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,013
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$157,117
−HK$4,163/mo
Today · 4.125%
HK$161,280
baseline
▲ 0.50% · 4.625%
HK$169,782
+HK$8,502/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$322,560/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,185 · Scale 2, in force from 26 Feb 2026)