LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,947
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,340
−HK$2,432/mo
Today · 4.125%
HK$81,772
baseline
▲ 0.50% · 4.625%
HK$86,748
+HK$4,976/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,544/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,603
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,898
−HK$2,329/mo
Today · 4.125%
HK$90,227
baseline
▲ 0.50% · 4.625%
HK$94,983
+HK$4,756/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,454/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,336
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,208
−HK$2,919/mo
Today · 4.125%
HK$98,127
baseline
▲ 0.50% · 4.625%
HK$104,097
+HK$5,970/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,254/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,723
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,478
−HK$2,795/mo
Today · 4.125%
HK$108,273
baseline
▲ 0.50% · 4.625%
HK$113,980
+HK$5,707/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,546/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,726
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,076
−HK$3,405/mo
Today · 4.125%
HK$114,481
baseline
▲ 0.50% · 4.625%
HK$121,447
+HK$6,966/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,962/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,844
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,058
−HK$3,260/mo
Today · 4.125%
HK$126,318
baseline
▲ 0.50% · 4.625%
HK$132,977
+HK$6,659/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,636/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,504
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$142,813
−HK$4,377/mo
Today · 4.125%
HK$147,190
baseline
▲ 0.50% · 4.625%
HK$156,146
+HK$8,956/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$294,380/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,085
−HK$8,324/mo
▼ 0.25% · 3.875%
HK$158,217
−HK$4,192/mo
Today · 4.125%
HK$162,409
baseline
▲ 0.50% · 4.625%
HK$170,970
+HK$8,561/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$324,818/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,155 · Scale 2, in force from 26 Feb 2026)