LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,575
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,957
−HK$2,420/mo
Today · 4.125%
HK$81,377
baseline
▲ 0.50% · 4.625%
HK$86,329
+HK$4,952/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,754/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,189
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,474
−HK$2,317/mo
Today · 4.125%
HK$89,791
baseline
▲ 0.50% · 4.625%
HK$94,524
+HK$4,733/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,582/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,890
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,748
−HK$2,904/mo
Today · 4.125%
HK$97,652
baseline
▲ 0.50% · 4.625%
HK$103,594
+HK$5,942/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$195,304/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,227
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,968
−HK$2,782/mo
Today · 4.125%
HK$107,750
baseline
▲ 0.50% · 4.625%
HK$113,429
+HK$5,679/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$215,500/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,205
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,540
−HK$3,388/mo
Today · 4.125%
HK$113,928
baseline
▲ 0.50% · 4.625%
HK$120,860
+HK$6,932/mo
Deposit HK$10.07M · loan HK$23.51M · min. income ≈ HK$227,856/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,265
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,463
−HK$3,245/mo
Today · 4.125%
HK$125,708
baseline
▲ 0.50% · 4.625%
HK$132,334
+HK$6,626/mo
Deposit HK$10.07M · loan HK$23.51M · min. income ≈ HK$251,416/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,835
−HK$8,644/mo
▼ 0.25% · 3.875%
HK$142,122
−HK$4,357/mo
Today · 4.125%
HK$146,479
baseline
▲ 0.50% · 4.625%
HK$155,391
+HK$8,912/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$292,958/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,340
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$157,453
−HK$4,172/mo
Today · 4.125%
HK$161,625
baseline
▲ 0.50% · 4.625%
HK$170,144
+HK$8,519/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$323,250/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,225 · Scale 2, in force from 26 Feb 2026)