LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,624
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,007
−HK$2,422/mo
Today · 4.125%
HK$81,429
baseline
▲ 0.50% · 4.625%
HK$86,384
+HK$4,955/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,858/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,243
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,529
−HK$2,320/mo
Today · 4.125%
HK$89,849
baseline
▲ 0.50% · 4.625%
HK$94,585
+HK$4,736/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,698/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,949
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,809
−HK$2,906/mo
Today · 4.125%
HK$97,715
baseline
▲ 0.50% · 4.625%
HK$103,660
+HK$5,945/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,430/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,292
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,035
−HK$2,783/mo
Today · 4.125%
HK$107,818
baseline
▲ 0.50% · 4.625%
HK$113,502
+HK$5,684/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,636/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,273
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,610
−HK$3,390/mo
Today · 4.125%
HK$114,000
baseline
▲ 0.50% · 4.625%
HK$120,937
+HK$6,937/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$228,000/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,341
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,541
−HK$3,247/mo
Today · 4.125%
HK$125,788
baseline
▲ 0.50% · 4.625%
HK$132,419
+HK$6,631/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$251,576/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,923
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$142,213
−HK$4,359/mo
Today · 4.125%
HK$146,572
baseline
▲ 0.50% · 4.625%
HK$155,490
+HK$8,918/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$293,144/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,438
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$157,553
−HK$4,175/mo
Today · 4.125%
HK$161,728
baseline
▲ 0.50% · 4.625%
HK$170,253
+HK$8,525/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$323,456/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,135 · Scale 2, in force from 26 Feb 2026)