LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,651
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,036
−HK$2,422/mo
Today · 4.125%
HK$81,458
baseline
▲ 0.50% · 4.625%
HK$86,414
+HK$4,956/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,916/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,274
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,561
−HK$2,320/mo
Today · 4.125%
HK$89,881
baseline
▲ 0.50% · 4.625%
HK$94,619
+HK$4,738/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,762/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,981
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,843
−HK$2,907/mo
Today · 4.125%
HK$97,750
baseline
▲ 0.50% · 4.625%
HK$103,697
+HK$5,947/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,500/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,328
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,073
−HK$2,784/mo
Today · 4.125%
HK$107,857
baseline
▲ 0.50% · 4.625%
HK$113,542
+HK$5,685/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,714/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,312
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,650
−HK$3,391/mo
Today · 4.125%
HK$114,041
baseline
▲ 0.50% · 4.625%
HK$120,980
+HK$6,939/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$228,082/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,383
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,585
−HK$3,248/mo
Today · 4.125%
HK$125,833
baseline
▲ 0.50% · 4.625%
HK$132,466
+HK$6,633/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$251,666/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,972
−HK$8,652/mo
▼ 0.25% · 3.875%
HK$142,264
−HK$4,360/mo
Today · 4.125%
HK$146,624
baseline
▲ 0.50% · 4.625%
HK$155,546
+HK$8,922/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$293,248/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,493
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$157,609
−HK$4,176/mo
Today · 4.125%
HK$161,785
baseline
▲ 0.50% · 4.625%
HK$170,313
+HK$8,528/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$323,570/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,645 · Scale 2, in force from 26 Feb 2026)