LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,779
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,167
−HK$2,427/mo
Today · 4.125%
HK$81,594
baseline
▲ 0.50% · 4.625%
HK$86,559
+HK$4,965/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,188/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,416
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,707
−HK$2,324/mo
Today · 4.125%
HK$90,031
baseline
▲ 0.50% · 4.625%
HK$94,776
+HK$4,745/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,062/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,135
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,001
−HK$2,912/mo
Today · 4.125%
HK$97,913
baseline
▲ 0.50% · 4.625%
HK$103,870
+HK$5,957/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,826/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,499
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,248
−HK$2,789/mo
Today · 4.125%
HK$108,037
baseline
▲ 0.50% · 4.625%
HK$113,732
+HK$5,695/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,074/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,491
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,834
−HK$3,397/mo
Today · 4.125%
HK$114,231
baseline
▲ 0.50% · 4.625%
HK$121,182
+HK$6,951/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,462/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,582
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,789
−HK$3,254/mo
Today · 4.125%
HK$126,043
baseline
▲ 0.50% · 4.625%
HK$132,687
+HK$6,644/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,086/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,202
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$142,501
−HK$4,368/mo
Today · 4.125%
HK$146,869
baseline
▲ 0.50% · 4.625%
HK$155,805
+HK$8,936/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,738/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,749
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$157,872
−HK$4,183/mo
Today · 4.125%
HK$162,055
baseline
▲ 0.50% · 4.625%
HK$170,597
+HK$8,542/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,110/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,028 · Scale 2, in force from 26 Feb 2026)