LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,604
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,893
−HK$2,326/mo
Today · 4.125%
HK$78,219
baseline
▲ 0.50% · 4.625%
HK$82,979
+HK$4,760/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,438/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,883
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,080
−HK$2,227/mo
Today · 4.125%
HK$86,307
baseline
▲ 0.50% · 4.625%
HK$90,857
+HK$4,550/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,614/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,325
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,072
−HK$2,791/mo
Today · 4.125%
HK$93,863
baseline
▲ 0.50% · 4.625%
HK$99,575
+HK$5,712/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,726/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,260
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,895
−HK$2,674/mo
Today · 4.125%
HK$103,569
baseline
▲ 0.50% · 4.625%
HK$109,028
+HK$5,459/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,138/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,045
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,251
−HK$3,256/mo
Today · 4.125%
HK$109,507
baseline
▲ 0.50% · 4.625%
HK$116,170
+HK$6,663/mo
Deposit HK$9.68M · loan HK$22.60M · min. income ≈ HK$219,014/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,371,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,637
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,711
−HK$3,119/mo
Today · 4.125%
HK$120,830
baseline
▲ 0.50% · 4.625%
HK$127,199
+HK$6,369/mo
Deposit HK$9.68M · loan HK$22.60M · min. income ≈ HK$241,660/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,371,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,487
−HK$8,308/mo
▼ 0.25% · 3.875%
HK$136,608
−HK$4,187/mo
Today · 4.125%
HK$140,795
baseline
▲ 0.50% · 4.625%
HK$149,362
+HK$8,567/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$281,590/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,390
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$151,343
−HK$4,010/mo
Today · 4.125%
HK$155,353
baseline
▲ 0.50% · 4.625%
HK$163,542
+HK$8,189/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$310,706/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,847 · Scale 2, in force from 26 Feb 2026)