LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,490
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,869
−HK$2,417/mo
Today · 4.125%
HK$81,286
baseline
▲ 0.50% · 4.625%
HK$86,232
+HK$4,946/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,572/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,094
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,376
−HK$2,315/mo
Today · 4.125%
HK$89,691
baseline
▲ 0.50% · 4.625%
HK$94,419
+HK$4,728/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,382/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,788
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,643
−HK$2,901/mo
Today · 4.125%
HK$97,544
baseline
▲ 0.50% · 4.625%
HK$103,479
+HK$5,935/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,088/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,113
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,852
−HK$2,778/mo
Today · 4.125%
HK$107,630
baseline
▲ 0.50% · 4.625%
HK$113,303
+HK$5,673/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,260/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,086
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,417
−HK$3,384/mo
Today · 4.125%
HK$113,801
baseline
▲ 0.50% · 4.625%
HK$120,725
+HK$6,924/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,602/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,132
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,327
−HK$3,241/mo
Today · 4.125%
HK$125,568
baseline
▲ 0.50% · 4.625%
HK$132,187
+HK$6,619/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,136/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,682
−HK$8,633/mo
▼ 0.25% · 3.875%
HK$141,964
−HK$4,351/mo
Today · 4.125%
HK$146,315
baseline
▲ 0.50% · 4.625%
HK$155,218
+HK$8,903/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$292,630/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,169
−HK$8,276/mo
▼ 0.25% · 3.875%
HK$157,277
−HK$4,168/mo
Today · 4.125%
HK$161,445
baseline
▲ 0.50% · 4.625%
HK$169,955
+HK$8,510/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$322,890/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,637 · Scale 2, in force from 26 Feb 2026)