LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,950
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,344
−HK$2,431/mo
Today · 4.125%
HK$81,775
baseline
▲ 0.50% · 4.625%
HK$86,751
+HK$4,976/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,550/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,606
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,902
−HK$2,329/mo
Today · 4.125%
HK$90,231
baseline
▲ 0.50% · 4.625%
HK$94,987
+HK$4,756/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,462/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,340
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,212
−HK$2,918/mo
Today · 4.125%
HK$98,130
baseline
▲ 0.50% · 4.625%
HK$104,101
+HK$5,971/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,260/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,727
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,482
−HK$2,795/mo
Today · 4.125%
HK$108,277
baseline
▲ 0.50% · 4.625%
HK$113,985
+HK$5,708/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,554/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,730
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,081
−HK$3,405/mo
Today · 4.125%
HK$114,486
baseline
▲ 0.50% · 4.625%
HK$121,452
+HK$6,966/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,972/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,848
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,063
−HK$3,260/mo
Today · 4.125%
HK$126,323
baseline
▲ 0.50% · 4.625%
HK$132,982
+HK$6,659/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,646/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,510
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$142,818
−HK$4,378/mo
Today · 4.125%
HK$147,196
baseline
▲ 0.50% · 4.625%
HK$156,152
+HK$8,956/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$294,392/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,091
−HK$8,325/mo
▼ 0.25% · 3.875%
HK$158,223
−HK$4,193/mo
Today · 4.125%
HK$162,416
baseline
▲ 0.50% · 4.625%
HK$170,977
+HK$8,561/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$324,832/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,213 · Scale 2, in force from 26 Feb 2026)