LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,576
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,957
−HK$2,421/mo
Today · 4.125%
HK$81,378
baseline
▲ 0.50% · 4.625%
HK$86,329
+HK$4,951/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,756/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,190
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,474
−HK$2,318/mo
Today · 4.125%
HK$89,792
baseline
▲ 0.50% · 4.625%
HK$94,525
+HK$4,733/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,584/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,891
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,749
−HK$2,904/mo
Today · 4.125%
HK$97,653
baseline
▲ 0.50% · 4.625%
HK$103,595
+HK$5,942/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$195,306/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,227
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,969
−HK$2,781/mo
Today · 4.125%
HK$107,750
baseline
▲ 0.50% · 4.625%
HK$113,430
+HK$5,680/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$1,427,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,206
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,540
−HK$3,389/mo
Today · 4.125%
HK$113,929
baseline
▲ 0.50% · 4.625%
HK$120,861
+HK$6,932/mo
Deposit HK$10.07M · loan HK$23.51M · min. income ≈ HK$227,858/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,265
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,464
−HK$3,245/mo
Today · 4.125%
HK$125,709
baseline
▲ 0.50% · 4.625%
HK$132,335
+HK$6,626/mo
Deposit HK$10.07M · loan HK$23.51M · min. income ≈ HK$251,418/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,836
−HK$8,644/mo
▼ 0.25% · 3.875%
HK$142,123
−HK$4,357/mo
Today · 4.125%
HK$146,480
baseline
▲ 0.50% · 4.625%
HK$155,392
+HK$8,912/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$292,960/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,341
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$157,454
−HK$4,172/mo
Today · 4.125%
HK$161,626
baseline
▲ 0.50% · 4.625%
HK$170,145
+HK$8,519/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$323,252/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,235 · Scale 2, in force from 26 Feb 2026)