LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,639
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,929
−HK$2,327/mo
Today · 4.125%
HK$78,256
baseline
▲ 0.50% · 4.625%
HK$83,018
+HK$4,762/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,512/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,922
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,119
−HK$2,229/mo
Today · 4.125%
HK$86,348
baseline
▲ 0.50% · 4.625%
HK$90,900
+HK$4,552/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,696/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,366
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,115
−HK$2,793/mo
Today · 4.125%
HK$93,908
baseline
▲ 0.50% · 4.625%
HK$99,622
+HK$5,714/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,816/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,307
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,943
−HK$2,675/mo
Today · 4.125%
HK$103,618
baseline
▲ 0.50% · 4.625%
HK$109,080
+HK$5,462/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,236/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,094
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,301
−HK$3,258/mo
Today · 4.125%
HK$109,559
baseline
▲ 0.50% · 4.625%
HK$116,225
+HK$6,666/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,118/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,691
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,767
−HK$3,120/mo
Today · 4.125%
HK$120,887
baseline
▲ 0.50% · 4.625%
HK$127,260
+HK$6,373/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,774/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,549
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$136,673
−HK$4,188/mo
Today · 4.125%
HK$140,861
baseline
▲ 0.50% · 4.625%
HK$149,433
+HK$8,572/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$281,722/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,460
−HK$7,967/mo
▼ 0.25% · 3.875%
HK$151,415
−HK$4,012/mo
Today · 4.125%
HK$155,427
baseline
▲ 0.50% · 4.625%
HK$163,620
+HK$8,193/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$310,854/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,495 · Scale 2, in force from 26 Feb 2026)