LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,822
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,211
−HK$2,428/mo
Today · 4.125%
HK$81,639
baseline
▲ 0.50% · 4.625%
HK$86,607
+HK$4,968/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,278/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,464
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,756
−HK$2,325/mo
Today · 4.125%
HK$90,081
baseline
▲ 0.50% · 4.625%
HK$94,829
+HK$4,748/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,162/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,186
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,054
−HK$2,913/mo
Today · 4.125%
HK$97,967
baseline
▲ 0.50% · 4.625%
HK$103,928
+HK$5,961/mo
Deposit HK$13.48M · loan HK$20.21M · min. income ≈ HK$195,934/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,556
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,307
−HK$2,790/mo
Today · 4.125%
HK$108,097
baseline
▲ 0.50% · 4.625%
HK$113,795
+HK$5,698/mo
Deposit HK$13.48M · loan HK$20.21M · min. income ≈ HK$216,194/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,551
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,896
−HK$3,399/mo
Today · 4.125%
HK$114,295
baseline
▲ 0.50% · 4.625%
HK$121,250
+HK$6,955/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$228,590/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,649
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,858
−HK$3,255/mo
Today · 4.125%
HK$126,113
baseline
▲ 0.50% · 4.625%
HK$132,761
+HK$6,648/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$252,226/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,279
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$142,581
−HK$4,370/mo
Today · 4.125%
HK$146,951
baseline
▲ 0.50% · 4.625%
HK$155,892
+HK$8,941/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$293,902/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,834
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$157,960
−HK$4,186/mo
Today · 4.125%
HK$162,146
baseline
▲ 0.50% · 4.625%
HK$170,693
+HK$8,547/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$324,292/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,826 · Scale 2, in force from 26 Feb 2026)