LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,586
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,875
−HK$2,325/mo
Today · 4.125%
HK$78,200
baseline
▲ 0.50% · 4.625%
HK$82,959
+HK$4,759/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,400/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,863
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,059
−HK$2,227/mo
Today · 4.125%
HK$86,286
baseline
▲ 0.50% · 4.625%
HK$90,835
+HK$4,549/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,572/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,303
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,050
−HK$2,790/mo
Today · 4.125%
HK$93,840
baseline
▲ 0.50% · 4.625%
HK$99,550
+HK$5,710/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$187,680/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,236
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,871
−HK$2,673/mo
Today · 4.125%
HK$103,544
baseline
▲ 0.50% · 4.625%
HK$109,001
+HK$5,457/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$207,088/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,020
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,225
−HK$3,255/mo
Today · 4.125%
HK$109,480
baseline
▲ 0.50% · 4.625%
HK$116,142
+HK$6,662/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$218,960/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,609
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,683
−HK$3,118/mo
Today · 4.125%
HK$120,801
baseline
▲ 0.50% · 4.625%
HK$127,168
+HK$6,367/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,602/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,454
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$136,575
−HK$4,186/mo
Today · 4.125%
HK$140,761
baseline
▲ 0.50% · 4.625%
HK$149,325
+HK$8,564/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$281,522/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,354
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$151,306
−HK$4,009/mo
Today · 4.125%
HK$155,315
baseline
▲ 0.50% · 4.625%
HK$163,502
+HK$8,187/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$310,630/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,511 · Scale 2, in force from 26 Feb 2026)