LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,957
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,350
−HK$2,432/mo
Today · 4.125%
HK$81,782
baseline
▲ 0.50% · 4.625%
HK$86,759
+HK$4,977/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,564/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,613
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,909
−HK$2,330/mo
Today · 4.125%
HK$90,239
baseline
▲ 0.50% · 4.625%
HK$94,995
+HK$4,756/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,478/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,348
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,220
−HK$2,919/mo
Today · 4.125%
HK$98,139
baseline
▲ 0.50% · 4.625%
HK$104,110
+HK$5,971/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,278/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,736
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,491
−HK$2,796/mo
Today · 4.125%
HK$108,287
baseline
▲ 0.50% · 4.625%
HK$113,995
+HK$5,708/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,574/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,739
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,090
−HK$3,405/mo
Today · 4.125%
HK$114,495
baseline
▲ 0.50% · 4.625%
HK$121,462
+HK$6,967/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,990/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,859
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,073
−HK$3,261/mo
Today · 4.125%
HK$126,334
baseline
▲ 0.50% · 4.625%
HK$132,994
+HK$6,660/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,668/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,522
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$142,831
−HK$4,377/mo
Today · 4.125%
HK$147,208
baseline
▲ 0.50% · 4.625%
HK$156,166
+HK$8,958/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$294,416/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,104
−HK$8,326/mo
▼ 0.25% · 3.875%
HK$158,237
−HK$4,193/mo
Today · 4.125%
HK$162,430
baseline
▲ 0.50% · 4.625%
HK$170,992
+HK$8,562/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$324,860/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,336 · Scale 2, in force from 26 Feb 2026)