LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,856
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,246
−HK$2,429/mo
Today · 4.125%
HK$81,675
baseline
▲ 0.50% · 4.625%
HK$86,645
+HK$4,970/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,350/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,501
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,794
−HK$2,327/mo
Today · 4.125%
HK$90,121
baseline
▲ 0.50% · 4.625%
HK$94,871
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,242/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,227
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,096
−HK$2,914/mo
Today · 4.125%
HK$98,010
baseline
▲ 0.50% · 4.625%
HK$103,974
+HK$5,964/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$196,020/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,602
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,353
−HK$2,792/mo
Today · 4.125%
HK$108,145
baseline
▲ 0.50% · 4.625%
HK$113,845
+HK$5,700/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,290/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,598
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,945
−HK$3,400/mo
Today · 4.125%
HK$114,345
baseline
▲ 0.50% · 4.625%
HK$121,303
+HK$6,958/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,690/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,702
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,912
−HK$3,257/mo
Today · 4.125%
HK$126,169
baseline
▲ 0.50% · 4.625%
HK$132,819
+HK$6,650/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,338/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,340
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$142,644
−HK$4,372/mo
Today · 4.125%
HK$147,016
baseline
▲ 0.50% · 4.625%
HK$155,961
+HK$8,945/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$294,032/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,902
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$158,030
−HK$4,187/mo
Today · 4.125%
HK$162,217
baseline
▲ 0.50% · 4.625%
HK$170,768
+HK$8,551/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$324,434/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,458 · Scale 2, in force from 26 Feb 2026)