LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,612
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,995
−HK$2,421/mo
Today · 4.125%
HK$81,416
baseline
▲ 0.50% · 4.625%
HK$86,370
+HK$4,954/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,832/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,427,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,230
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,516
−HK$2,319/mo
Today · 4.125%
HK$89,835
baseline
▲ 0.50% · 4.625%
HK$94,570
+HK$4,735/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,670/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,427,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,935
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,794
−HK$2,906/mo
Today · 4.125%
HK$97,700
baseline
▲ 0.50% · 4.625%
HK$103,644
+HK$5,944/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,400/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,276
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,019
−HK$2,783/mo
Today · 4.125%
HK$107,802
baseline
▲ 0.50% · 4.625%
HK$113,484
+HK$5,682/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,604/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,257
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,593
−HK$3,390/mo
Today · 4.125%
HK$113,983
baseline
▲ 0.50% · 4.625%
HK$120,919
+HK$6,936/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$227,966/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,322
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,522
−HK$3,247/mo
Today · 4.125%
HK$125,769
baseline
▲ 0.50% · 4.625%
HK$132,398
+HK$6,629/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$251,538/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,902
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$142,191
−HK$4,359/mo
Today · 4.125%
HK$146,550
baseline
▲ 0.50% · 4.625%
HK$155,467
+HK$8,917/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$293,100/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,414
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$157,529
−HK$4,174/mo
Today · 4.125%
HK$161,703
baseline
▲ 0.50% · 4.625%
HK$170,227
+HK$8,524/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$323,406/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,917 · Scale 2, in force from 26 Feb 2026)