LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,598
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,981
−HK$2,420/mo
Today · 4.125%
HK$81,401
baseline
▲ 0.50% · 4.625%
HK$86,355
+HK$4,954/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,802/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,215
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,500
−HK$2,318/mo
Today · 4.125%
HK$89,818
baseline
▲ 0.50% · 4.625%
HK$94,553
+HK$4,735/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,636/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,918
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,777
−HK$2,905/mo
Today · 4.125%
HK$97,682
baseline
▲ 0.50% · 4.625%
HK$103,625
+HK$5,943/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,364/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,257
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,000
−HK$2,782/mo
Today · 4.125%
HK$107,782
baseline
▲ 0.50% · 4.625%
HK$113,463
+HK$5,681/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,564/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,237
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$110,573
−HK$3,389/mo
Today · 4.125%
HK$113,962
baseline
▲ 0.50% · 4.625%
HK$120,896
+HK$6,934/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$227,924/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,300
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,500
−HK$3,246/mo
Today · 4.125%
HK$125,746
baseline
▲ 0.50% · 4.625%
HK$132,374
+HK$6,628/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$251,492/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,877
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,165
−HK$4,358/mo
Today · 4.125%
HK$146,523
baseline
▲ 0.50% · 4.625%
HK$155,438
+HK$8,915/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$293,046/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,386
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$157,500
−HK$4,173/mo
Today · 4.125%
HK$161,673
baseline
▲ 0.50% · 4.625%
HK$170,195
+HK$8,522/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,346/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,655 · Scale 2, in force from 26 Feb 2026)