LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,593
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,883
−HK$2,325/mo
Today · 4.125%
HK$78,208
baseline
▲ 0.50% · 4.625%
HK$82,967
+HK$4,759/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,416/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,872
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,068
−HK$2,227/mo
Today · 4.125%
HK$86,295
baseline
▲ 0.50% · 4.625%
HK$90,844
+HK$4,549/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,590/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,312
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,059
−HK$2,791/mo
Today · 4.125%
HK$93,850
baseline
▲ 0.50% · 4.625%
HK$99,561
+HK$5,711/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$187,700/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,246
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,881
−HK$2,673/mo
Today · 4.125%
HK$103,554
baseline
▲ 0.50% · 4.625%
HK$109,013
+HK$5,459/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$207,108/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,031
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,236
−HK$3,256/mo
Today · 4.125%
HK$109,492
baseline
▲ 0.50% · 4.625%
HK$116,154
+HK$6,662/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$218,984/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,621
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,695
−HK$3,118/mo
Today · 4.125%
HK$120,813
baseline
▲ 0.50% · 4.625%
HK$127,181
+HK$6,368/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,626/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,468
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$136,589
−HK$4,186/mo
Today · 4.125%
HK$140,775
baseline
▲ 0.50% · 4.625%
HK$149,341
+HK$8,566/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$281,550/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,369
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$151,322
−HK$4,009/mo
Today · 4.125%
HK$155,331
baseline
▲ 0.50% · 4.625%
HK$163,519
+HK$8,188/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$310,662/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,652 · Scale 2, in force from 26 Feb 2026)