LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,543
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,831
−HK$2,324/mo
Today · 4.125%
HK$78,155
baseline
▲ 0.50% · 4.625%
HK$82,910
+HK$4,755/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,310/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,816
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,010
−HK$2,226/mo
Today · 4.125%
HK$86,236
baseline
▲ 0.50% · 4.625%
HK$90,782
+HK$4,546/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,472/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,252
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,997
−HK$2,789/mo
Today · 4.125%
HK$93,786
baseline
▲ 0.50% · 4.625%
HK$99,492
+HK$5,706/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,572/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,179
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,812
−HK$2,671/mo
Today · 4.125%
HK$103,483
baseline
▲ 0.50% · 4.625%
HK$108,938
+HK$5,455/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,966/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,960
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,163
−HK$3,254/mo
Today · 4.125%
HK$109,417
baseline
▲ 0.50% · 4.625%
HK$116,074
+HK$6,657/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,834/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,542
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,614
−HK$3,116/mo
Today · 4.125%
HK$120,730
baseline
▲ 0.50% · 4.625%
HK$127,094
+HK$6,364/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,460/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,377
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$136,495
−HK$4,183/mo
Today · 4.125%
HK$140,678
baseline
▲ 0.50% · 4.625%
HK$149,238
+HK$8,560/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,356/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,268
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$151,218
−HK$4,007/mo
Today · 4.125%
HK$155,225
baseline
▲ 0.50% · 4.625%
HK$163,407
+HK$8,182/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,450/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,712 · Scale 2, in force from 26 Feb 2026)