LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,651
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,942
−HK$2,327/mo
Today · 4.125%
HK$78,269
baseline
▲ 0.50% · 4.625%
HK$83,032
+HK$4,763/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,538/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,936
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,133
−HK$2,230/mo
Today · 4.125%
HK$86,363
baseline
▲ 0.50% · 4.625%
HK$90,915
+HK$4,552/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,726/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,381
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,130
−HK$2,793/mo
Today · 4.125%
HK$93,923
baseline
▲ 0.50% · 4.625%
HK$99,638
+HK$5,715/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,846/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,323
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,960
−HK$2,675/mo
Today · 4.125%
HK$103,635
baseline
▲ 0.50% · 4.625%
HK$109,098
+HK$5,463/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,270/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,111
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,319
−HK$3,258/mo
Today · 4.125%
HK$109,577
baseline
▲ 0.50% · 4.625%
HK$116,245
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,154/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,710
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,787
−HK$3,121/mo
Today · 4.125%
HK$120,908
baseline
▲ 0.50% · 4.625%
HK$127,281
+HK$6,373/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,816/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,572
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$136,695
−HK$4,190/mo
Today · 4.125%
HK$140,885
baseline
▲ 0.50% · 4.625%
HK$149,458
+HK$8,573/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,770/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,485
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$151,440
−HK$4,013/mo
Today · 4.125%
HK$155,453
baseline
▲ 0.50% · 4.625%
HK$163,647
+HK$8,194/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,906/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,725 · Scale 2, in force from 26 Feb 2026)