LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,027
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,423
−HK$2,434/mo
Today · 4.125%
HK$81,857
baseline
▲ 0.50% · 4.625%
HK$86,838
+HK$4,981/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,714/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,691
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,990
−HK$2,331/mo
Today · 4.125%
HK$90,321
baseline
▲ 0.50% · 4.625%
HK$95,082
+HK$4,761/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,642/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,432
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,307
−HK$2,921/mo
Today · 4.125%
HK$98,228
baseline
▲ 0.50% · 4.625%
HK$104,205
+HK$5,977/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,456/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,830
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,588
−HK$2,797/mo
Today · 4.125%
HK$108,385
baseline
▲ 0.50% · 4.625%
HK$114,098
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,770/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,837
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,192
−HK$3,408/mo
Today · 4.125%
HK$114,600
baseline
▲ 0.50% · 4.625%
HK$121,573
+HK$6,973/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$229,200/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,968
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,186
−HK$3,264/mo
Today · 4.125%
HK$126,450
baseline
▲ 0.50% · 4.625%
HK$133,115
+HK$6,665/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$252,900/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,648
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$142,961
−HK$4,382/mo
Today · 4.125%
HK$147,343
baseline
▲ 0.50% · 4.625%
HK$156,308
+HK$8,965/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,686/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,245
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$158,381
−HK$4,197/mo
Today · 4.125%
HK$162,578
baseline
▲ 0.50% · 4.625%
HK$171,148
+HK$8,570/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,156/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,644 · Scale 2, in force from 26 Feb 2026)