LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,614
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,904
−HK$2,326/mo
Today · 4.125%
HK$78,230
baseline
▲ 0.50% · 4.625%
HK$82,991
+HK$4,761/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,460/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,372,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,895
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,091
−HK$2,228/mo
Today · 4.125%
HK$86,319
baseline
▲ 0.50% · 4.625%
HK$90,870
+HK$4,551/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,638/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,372,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,337
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,085
−HK$2,791/mo
Today · 4.125%
HK$93,876
baseline
▲ 0.50% · 4.625%
HK$99,589
+HK$5,713/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,752/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,274
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,910
−HK$2,673/mo
Today · 4.125%
HK$103,583
baseline
▲ 0.50% · 4.625%
HK$109,043
+HK$5,460/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,166/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,060
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,266
−HK$3,257/mo
Today · 4.125%
HK$109,523
baseline
▲ 0.50% · 4.625%
HK$116,187
+HK$6,664/mo
Deposit HK$9.68M · loan HK$22.60M · min. income ≈ HK$219,046/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,653
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,728
−HK$3,119/mo
Today · 4.125%
HK$120,847
baseline
▲ 0.50% · 4.625%
HK$127,217
+HK$6,370/mo
Deposit HK$9.68M · loan HK$22.60M · min. income ≈ HK$241,694/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,505
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,627
−HK$4,188/mo
Today · 4.125%
HK$140,815
baseline
▲ 0.50% · 4.625%
HK$149,383
+HK$8,568/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$281,630/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,411
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$151,364
−HK$4,011/mo
Today · 4.125%
HK$155,375
baseline
▲ 0.50% · 4.625%
HK$163,565
+HK$8,190/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$310,750/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,039 · Scale 2, in force from 26 Feb 2026)