LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,506
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,886
−HK$2,417/mo
Today · 4.125%
HK$81,303
baseline
▲ 0.50% · 4.625%
HK$86,251
+HK$4,948/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,606/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,112
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,395
−HK$2,315/mo
Today · 4.125%
HK$89,710
baseline
▲ 0.50% · 4.625%
HK$94,439
+HK$4,729/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,420/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,807
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$94,663
−HK$2,901/mo
Today · 4.125%
HK$97,564
baseline
▲ 0.50% · 4.625%
HK$103,501
+HK$5,937/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,128/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,425,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,134
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$104,874
−HK$2,778/mo
Today · 4.125%
HK$107,652
baseline
▲ 0.50% · 4.625%
HK$113,327
+HK$5,675/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,304/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,425,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,108
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,440
−HK$3,385/mo
Today · 4.125%
HK$113,825
baseline
▲ 0.50% · 4.625%
HK$120,751
+HK$6,926/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$227,650/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,157
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,352
−HK$3,242/mo
Today · 4.125%
HK$125,594
baseline
▲ 0.50% · 4.625%
HK$132,215
+HK$6,621/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$251,188/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,710
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$141,994
−HK$4,352/mo
Today · 4.125%
HK$146,346
baseline
▲ 0.50% · 4.625%
HK$155,251
+HK$8,905/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$292,692/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,201
−HK$8,277/mo
▼ 0.25% · 3.875%
HK$157,310
−HK$4,168/mo
Today · 4.125%
HK$161,478
baseline
▲ 0.50% · 4.625%
HK$169,990
+HK$8,512/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$322,956/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,935 · Scale 2, in force from 26 Feb 2026)