LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,554
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,842
−HK$2,325/mo
Today · 4.125%
HK$78,167
baseline
▲ 0.50% · 4.625%
HK$82,923
+HK$4,756/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,334/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,828
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,023
−HK$2,226/mo
Today · 4.125%
HK$86,249
baseline
▲ 0.50% · 4.625%
HK$90,795
+HK$4,546/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,498/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,265
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,010
−HK$2,790/mo
Today · 4.125%
HK$93,800
baseline
▲ 0.50% · 4.625%
HK$99,507
+HK$5,707/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,600/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,194
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,827
−HK$2,672/mo
Today · 4.125%
HK$103,499
baseline
▲ 0.50% · 4.625%
HK$108,954
+HK$5,455/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,998/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,976
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,179
−HK$3,254/mo
Today · 4.125%
HK$109,433
baseline
▲ 0.50% · 4.625%
HK$116,092
+HK$6,659/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,866/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,559
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,632
−HK$3,117/mo
Today · 4.125%
HK$120,749
baseline
▲ 0.50% · 4.625%
HK$127,113
+HK$6,364/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,498/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,397
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$136,516
−HK$4,184/mo
Today · 4.125%
HK$140,700
baseline
▲ 0.50% · 4.625%
HK$149,261
+HK$8,561/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,400/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,291
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$151,241
−HK$4,007/mo
Today · 4.125%
HK$155,248
baseline
▲ 0.50% · 4.625%
HK$163,432
+HK$8,184/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,496/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,919 · Scale 2, in force from 26 Feb 2026)