LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,646
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,031
−HK$2,422/mo
Today · 4.125%
HK$81,453
baseline
▲ 0.50% · 4.625%
HK$86,409
+HK$4,956/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,906/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,268
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,555
−HK$2,320/mo
Today · 4.125%
HK$89,875
baseline
▲ 0.50% · 4.625%
HK$94,613
+HK$4,738/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,750/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,976
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,837
−HK$2,906/mo
Today · 4.125%
HK$97,743
baseline
▲ 0.50% · 4.625%
HK$103,691
+HK$5,948/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,486/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,322
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$105,066
−HK$2,784/mo
Today · 4.125%
HK$107,850
baseline
▲ 0.50% · 4.625%
HK$113,535
+HK$5,685/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,700/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,305
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,643
−HK$3,391/mo
Today · 4.125%
HK$114,034
baseline
▲ 0.50% · 4.625%
HK$120,973
+HK$6,939/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$228,068/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,376
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,577
−HK$3,248/mo
Today · 4.125%
HK$125,825
baseline
▲ 0.50% · 4.625%
HK$132,458
+HK$6,633/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$251,650/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,964
−HK$8,651/mo
▼ 0.25% · 3.875%
HK$142,255
−HK$4,360/mo
Today · 4.125%
HK$146,615
baseline
▲ 0.50% · 4.625%
HK$155,536
+HK$8,921/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$293,230/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,483
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$157,600
−HK$4,175/mo
Today · 4.125%
HK$161,775
baseline
▲ 0.50% · 4.625%
HK$170,303
+HK$8,528/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$323,550/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,557 · Scale 2, in force from 26 Feb 2026)