LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,617
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,907
−HK$2,326/mo
Today · 4.125%
HK$78,233
baseline
▲ 0.50% · 4.625%
HK$82,993
+HK$4,760/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,466/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,372,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,898
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,094
−HK$2,229/mo
Today · 4.125%
HK$86,323
baseline
▲ 0.50% · 4.625%
HK$90,873
+HK$4,550/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,646/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,372,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,340
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,088
−HK$2,792/mo
Today · 4.125%
HK$93,880
baseline
▲ 0.50% · 4.625%
HK$99,592
+HK$5,712/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,760/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,277
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,913
−HK$2,674/mo
Today · 4.125%
HK$103,587
baseline
▲ 0.50% · 4.625%
HK$109,047
+HK$5,460/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,174/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,063
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,269
−HK$3,257/mo
Today · 4.125%
HK$109,526
baseline
▲ 0.50% · 4.625%
HK$116,191
+HK$6,665/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$219,052/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,657
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,732
−HK$3,120/mo
Today · 4.125%
HK$120,852
baseline
▲ 0.50% · 4.625%
HK$127,222
+HK$6,370/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$241,704/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,510
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,632
−HK$4,188/mo
Today · 4.125%
HK$140,820
baseline
▲ 0.50% · 4.625%
HK$149,388
+HK$8,568/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$281,640/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,416
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$151,370
−HK$4,011/mo
Today · 4.125%
HK$155,381
baseline
▲ 0.50% · 4.625%
HK$163,571
+HK$8,190/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$310,762/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,088 · Scale 2, in force from 26 Feb 2026)