LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,618
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,001
−HK$2,422/mo
Today · 4.125%
HK$81,423
baseline
▲ 0.50% · 4.625%
HK$86,377
+HK$4,954/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,846/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,237
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,523
−HK$2,319/mo
Today · 4.125%
HK$89,842
baseline
▲ 0.50% · 4.625%
HK$94,578
+HK$4,736/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,684/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,942
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,802
−HK$2,905/mo
Today · 4.125%
HK$97,707
baseline
▲ 0.50% · 4.625%
HK$103,653
+HK$5,946/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,414/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,284
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,028
−HK$2,783/mo
Today · 4.125%
HK$107,811
baseline
▲ 0.50% · 4.625%
HK$113,493
+HK$5,682/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,622/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,266
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,602
−HK$3,390/mo
Today · 4.125%
HK$113,992
baseline
▲ 0.50% · 4.625%
HK$120,928
+HK$6,936/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$227,984/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,332
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,532
−HK$3,247/mo
Today · 4.125%
HK$125,779
baseline
▲ 0.50% · 4.625%
HK$132,409
+HK$6,630/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$251,558/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,913
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$142,203
−HK$4,358/mo
Today · 4.125%
HK$146,561
baseline
▲ 0.50% · 4.625%
HK$155,479
+HK$8,918/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$293,122/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,427
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$157,541
−HK$4,175/mo
Today · 4.125%
HK$161,716
baseline
▲ 0.50% · 4.625%
HK$170,240
+HK$8,524/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$323,432/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,031 · Scale 2, in force from 26 Feb 2026)