LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,646
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,937
−HK$2,327/mo
Today · 4.125%
HK$78,264
baseline
▲ 0.50% · 4.625%
HK$83,027
+HK$4,763/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,528/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,930
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,128
−HK$2,229/mo
Today · 4.125%
HK$86,357
baseline
▲ 0.50% · 4.625%
HK$90,909
+HK$4,552/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,714/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,375
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,124
−HK$2,793/mo
Today · 4.125%
HK$93,917
baseline
▲ 0.50% · 4.625%
HK$99,632
+HK$5,715/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,834/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,317
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,953
−HK$2,675/mo
Today · 4.125%
HK$103,628
baseline
▲ 0.50% · 4.625%
HK$109,091
+HK$5,463/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,256/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,104
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,312
−HK$3,258/mo
Today · 4.125%
HK$109,570
baseline
▲ 0.50% · 4.625%
HK$116,237
+HK$6,667/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,140/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,703
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,779
−HK$3,121/mo
Today · 4.125%
HK$120,900
baseline
▲ 0.50% · 4.625%
HK$127,273
+HK$6,373/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,800/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,563
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$136,686
−HK$4,190/mo
Today · 4.125%
HK$140,876
baseline
▲ 0.50% · 4.625%
HK$149,448
+HK$8,572/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,752/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,475
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$151,430
−HK$4,013/mo
Today · 4.125%
HK$155,443
baseline
▲ 0.50% · 4.625%
HK$163,636
+HK$8,193/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,886/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,634 · Scale 2, in force from 26 Feb 2026)