LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,602
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,985
−HK$2,421/mo
Today · 4.125%
HK$81,406
baseline
▲ 0.50% · 4.625%
HK$86,359
+HK$4,953/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,812/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,219
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,505
−HK$2,318/mo
Today · 4.125%
HK$89,823
baseline
▲ 0.50% · 4.625%
HK$94,558
+HK$4,735/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,646/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,923
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,782
−HK$2,905/mo
Today · 4.125%
HK$97,687
baseline
▲ 0.50% · 4.625%
HK$103,631
+HK$5,944/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,374/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,263
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,006
−HK$2,782/mo
Today · 4.125%
HK$107,788
baseline
▲ 0.50% · 4.625%
HK$113,470
+HK$5,682/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,576/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,243
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$110,579
−HK$3,389/mo
Today · 4.125%
HK$113,968
baseline
▲ 0.50% · 4.625%
HK$120,903
+HK$6,935/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$227,936/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,307
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,507
−HK$3,246/mo
Today · 4.125%
HK$125,753
baseline
▲ 0.50% · 4.625%
HK$132,381
+HK$6,628/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$251,506/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,884
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,173
−HK$4,357/mo
Today · 4.125%
HK$146,530
baseline
▲ 0.50% · 4.625%
HK$155,446
+HK$8,916/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$293,060/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,394
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$157,508
−HK$4,174/mo
Today · 4.125%
HK$161,682
baseline
▲ 0.50% · 4.625%
HK$170,204
+HK$8,522/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,364/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,731 · Scale 2, in force from 26 Feb 2026)