LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,606
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,989
−HK$2,421/mo
Today · 4.125%
HK$81,410
baseline
▲ 0.50% · 4.625%
HK$86,363
+HK$4,953/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,820/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,427,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,223
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,509
−HK$2,319/mo
Today · 4.125%
HK$89,828
baseline
▲ 0.50% · 4.625%
HK$94,563
+HK$4,735/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,656/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,427,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,927
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,787
−HK$2,905/mo
Today · 4.125%
HK$97,692
baseline
▲ 0.50% · 4.625%
HK$103,636
+HK$5,944/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,384/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,268
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,011
−HK$2,782/mo
Today · 4.125%
HK$107,793
baseline
▲ 0.50% · 4.625%
HK$113,475
+HK$5,682/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,586/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,248
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,584
−HK$3,390/mo
Today · 4.125%
HK$113,974
baseline
▲ 0.50% · 4.625%
HK$120,909
+HK$6,935/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$227,948/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,313
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,513
−HK$3,246/mo
Today · 4.125%
HK$125,759
baseline
▲ 0.50% · 4.625%
HK$132,388
+HK$6,629/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$251,518/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,891
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$142,180
−HK$4,358/mo
Today · 4.125%
HK$146,538
baseline
▲ 0.50% · 4.625%
HK$155,454
+HK$8,916/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$293,076/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,402
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$157,516
−HK$4,174/mo
Today · 4.125%
HK$161,690
baseline
▲ 0.50% · 4.625%
HK$170,213
+HK$8,523/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$323,380/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,803 · Scale 2, in force from 26 Feb 2026)