LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,597
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,979
−HK$2,421/mo
Today · 4.125%
HK$81,400
baseline
▲ 0.50% · 4.625%
HK$86,353
+HK$4,953/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,800/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,213
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,499
−HK$2,318/mo
Today · 4.125%
HK$89,817
baseline
▲ 0.50% · 4.625%
HK$94,551
+HK$4,734/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,634/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,916
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,775
−HK$2,905/mo
Today · 4.125%
HK$97,680
baseline
▲ 0.50% · 4.625%
HK$103,624
+HK$5,944/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$195,360/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,256
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,998
−HK$2,782/mo
Today · 4.125%
HK$107,780
baseline
▲ 0.50% · 4.625%
HK$113,462
+HK$5,682/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$215,560/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,236
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,571
−HK$3,389/mo
Today · 4.125%
HK$113,960
baseline
▲ 0.50% · 4.625%
HK$120,894
+HK$6,934/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$227,920/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,298
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,498
−HK$3,246/mo
Today · 4.125%
HK$125,744
baseline
▲ 0.50% · 4.625%
HK$132,372
+HK$6,628/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$251,488/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,874
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,163
−HK$4,357/mo
Today · 4.125%
HK$146,520
baseline
▲ 0.50% · 4.625%
HK$155,436
+HK$8,916/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$293,040/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,384
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$157,497
−HK$4,174/mo
Today · 4.125%
HK$161,671
baseline
▲ 0.50% · 4.625%
HK$170,192
+HK$8,521/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,342/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,631 · Scale 2, in force from 26 Feb 2026)