LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,655
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,039
−HK$2,423/mo
Today · 4.125%
HK$81,462
baseline
▲ 0.50% · 4.625%
HK$86,419
+HK$4,957/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,924/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,278
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,565
−HK$2,320/mo
Today · 4.125%
HK$89,885
baseline
▲ 0.50% · 4.625%
HK$94,623
+HK$4,738/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,770/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,986
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,847
−HK$2,907/mo
Today · 4.125%
HK$97,754
baseline
▲ 0.50% · 4.625%
HK$103,703
+HK$5,949/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,508/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,334
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$105,078
−HK$2,784/mo
Today · 4.125%
HK$107,862
baseline
▲ 0.50% · 4.625%
HK$113,548
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,724/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,317
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,655
−HK$3,392/mo
Today · 4.125%
HK$114,047
baseline
▲ 0.50% · 4.625%
HK$120,986
+HK$6,939/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$228,094/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,389
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,591
−HK$3,248/mo
Today · 4.125%
HK$125,839
baseline
▲ 0.50% · 4.625%
HK$132,473
+HK$6,634/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$251,678/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,979
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,271
−HK$4,361/mo
Today · 4.125%
HK$146,632
baseline
▲ 0.50% · 4.625%
HK$155,554
+HK$8,922/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,264/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,500
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,617
−HK$4,177/mo
Today · 4.125%
HK$161,794
baseline
▲ 0.50% · 4.625%
HK$170,322
+HK$8,528/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,588/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,718 · Scale 2, in force from 26 Feb 2026)