LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,781
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,169
−HK$2,427/mo
Today · 4.125%
HK$81,596
baseline
▲ 0.50% · 4.625%
HK$86,560
+HK$4,964/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,192/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,418
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,709
−HK$2,324/mo
Today · 4.125%
HK$90,033
baseline
▲ 0.50% · 4.625%
HK$94,778
+HK$4,745/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,066/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,137
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,003
−HK$2,912/mo
Today · 4.125%
HK$97,915
baseline
▲ 0.50% · 4.625%
HK$103,873
+HK$5,958/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,830/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,501
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,250
−HK$2,789/mo
Today · 4.125%
HK$108,039
baseline
▲ 0.50% · 4.625%
HK$113,734
+HK$5,695/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,078/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,493
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,837
−HK$3,397/mo
Today · 4.125%
HK$114,234
baseline
▲ 0.50% · 4.625%
HK$121,185
+HK$6,951/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,468/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,585
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,792
−HK$3,254/mo
Today · 4.125%
HK$126,046
baseline
▲ 0.50% · 4.625%
HK$132,690
+HK$6,644/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,092/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,205
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$142,504
−HK$4,368/mo
Today · 4.125%
HK$146,872
baseline
▲ 0.50% · 4.625%
HK$155,809
+HK$8,937/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,744/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,752
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$157,876
−HK$4,183/mo
Today · 4.125%
HK$162,059
baseline
▲ 0.50% · 4.625%
HK$170,601
+HK$8,542/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,118/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,059 · Scale 2, in force from 26 Feb 2026)