LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,847
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,237
−HK$2,429/mo
Today · 4.125%
HK$81,666
baseline
▲ 0.50% · 4.625%
HK$86,635
+HK$4,969/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,332/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,491
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,784
−HK$2,326/mo
Today · 4.125%
HK$90,110
baseline
▲ 0.50% · 4.625%
HK$94,860
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,220/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,216
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,084
−HK$2,915/mo
Today · 4.125%
HK$97,999
baseline
▲ 0.50% · 4.625%
HK$103,962
+HK$5,963/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$195,998/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,589
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,341
−HK$2,791/mo
Today · 4.125%
HK$108,132
baseline
▲ 0.50% · 4.625%
HK$113,832
+HK$5,700/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,264/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,585
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,932
−HK$3,400/mo
Today · 4.125%
HK$114,332
baseline
▲ 0.50% · 4.625%
HK$121,289
+HK$6,957/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,664/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,688
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,897
−HK$3,257/mo
Today · 4.125%
HK$126,154
baseline
▲ 0.50% · 4.625%
HK$132,804
+HK$6,650/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,308/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,324
−HK$8,674/mo
▼ 0.25% · 3.875%
HK$142,627
−HK$4,371/mo
Today · 4.125%
HK$146,998
baseline
▲ 0.50% · 4.625%
HK$155,943
+HK$8,945/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$293,996/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,884
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$158,011
−HK$4,187/mo
Today · 4.125%
HK$162,198
baseline
▲ 0.50% · 4.625%
HK$170,748
+HK$8,550/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$324,396/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,287 · Scale 2, in force from 26 Feb 2026)