LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,562
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,850
−HK$2,325/mo
Today · 4.125%
HK$78,175
baseline
▲ 0.50% · 4.625%
HK$82,931
+HK$4,756/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,350/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,837
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,031
−HK$2,227/mo
Today · 4.125%
HK$86,258
baseline
▲ 0.50% · 4.625%
HK$90,805
+HK$4,547/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,516/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,274
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,020
−HK$2,790/mo
Today · 4.125%
HK$93,810
baseline
▲ 0.50% · 4.625%
HK$99,518
+HK$5,708/mo
Deposit HK$12.90M · loan HK$19.36M · min. income ≈ HK$187,620/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,204
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,838
−HK$2,672/mo
Today · 4.125%
HK$103,510
baseline
▲ 0.50% · 4.625%
HK$108,966
+HK$5,456/mo
Deposit HK$12.90M · loan HK$19.36M · min. income ≈ HK$207,020/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,986
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,190
−HK$3,255/mo
Today · 4.125%
HK$109,445
baseline
▲ 0.50% · 4.625%
HK$116,104
+HK$6,659/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,890/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,571
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,644
−HK$3,117/mo
Today · 4.125%
HK$120,761
baseline
▲ 0.50% · 4.625%
HK$127,127
+HK$6,366/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,522/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,411
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$136,530
−HK$4,184/mo
Today · 4.125%
HK$140,714
baseline
▲ 0.50% · 4.625%
HK$149,276
+HK$8,562/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,428/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,306
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$151,257
−HK$4,007/mo
Today · 4.125%
HK$155,264
baseline
▲ 0.50% · 4.625%
HK$163,449
+HK$8,185/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,528/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,062 · Scale 2, in force from 26 Feb 2026)