LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,623
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,006
−HK$2,422/mo
Today · 4.125%
HK$81,428
baseline
▲ 0.50% · 4.625%
HK$86,382
+HK$4,954/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,856/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,242
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,528
−HK$2,320/mo
Today · 4.125%
HK$89,848
baseline
▲ 0.50% · 4.625%
HK$94,584
+HK$4,736/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,696/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,947
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,808
−HK$2,905/mo
Today · 4.125%
HK$97,713
baseline
▲ 0.50% · 4.625%
HK$103,659
+HK$5,946/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,426/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,291
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,034
−HK$2,783/mo
Today · 4.125%
HK$107,817
baseline
▲ 0.50% · 4.625%
HK$113,500
+HK$5,683/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,634/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,272
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,609
−HK$3,390/mo
Today · 4.125%
HK$113,999
baseline
▲ 0.50% · 4.625%
HK$120,935
+HK$6,936/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$227,998/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,339
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,540
−HK$3,247/mo
Today · 4.125%
HK$125,787
baseline
▲ 0.50% · 4.625%
HK$132,417
+HK$6,630/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$251,574/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,921
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$142,211
−HK$4,359/mo
Today · 4.125%
HK$146,570
baseline
▲ 0.50% · 4.625%
HK$155,488
+HK$8,918/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$293,140/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,436
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$157,551
−HK$4,175/mo
Today · 4.125%
HK$161,726
baseline
▲ 0.50% · 4.625%
HK$170,250
+HK$8,524/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$323,452/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,117 · Scale 2, in force from 26 Feb 2026)