LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,522
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,902
−HK$2,418/mo
Today · 4.125%
HK$81,320
baseline
▲ 0.50% · 4.625%
HK$86,269
+HK$4,949/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,640/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,130
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,413
−HK$2,316/mo
Today · 4.125%
HK$89,729
baseline
▲ 0.50% · 4.625%
HK$94,459
+HK$4,730/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,458/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,826
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,683
−HK$2,902/mo
Today · 4.125%
HK$97,585
baseline
▲ 0.50% · 4.625%
HK$103,522
+HK$5,937/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$195,170/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,156
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,896
−HK$2,779/mo
Today · 4.125%
HK$107,675
baseline
▲ 0.50% · 4.625%
HK$113,351
+HK$5,676/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$215,350/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,131
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,463
−HK$3,386/mo
Today · 4.125%
HK$113,849
baseline
▲ 0.50% · 4.625%
HK$120,776
+HK$6,927/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$227,698/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,182
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,378
−HK$3,243/mo
Today · 4.125%
HK$125,621
baseline
▲ 0.50% · 4.625%
HK$132,242
+HK$6,621/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$251,242/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,739
−HK$8,638/mo
▼ 0.25% · 3.875%
HK$142,024
−HK$4,353/mo
Today · 4.125%
HK$146,377
baseline
▲ 0.50% · 4.625%
HK$155,283
+HK$8,906/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$292,754/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,234
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$157,343
−HK$4,169/mo
Today · 4.125%
HK$161,512
baseline
▲ 0.50% · 4.625%
HK$170,026
+HK$8,514/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$323,024/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,234 · Scale 2, in force from 26 Feb 2026)